Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,190Cash toward the purchase price.
Closing costs + prepaids$10,257Not just lender fees.
Before credits & paid funds$33,446The complete starting cash picture.
Estimated remaining funds due at closing
$33,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,189.52
Your down payment$23,189.52
Closing costs + prepaids$10,256.89
Total buyer cash needed$33,446.41
Remaining funds due$33,446.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$705.25
Prepaid interest, first (24 days)$926.64
Fees + prepaids$10,256.89
Your down payment is the seller’s equity. You take over the $216,810 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $33,446.41 is due at closing. Uses and sources reconcile at $250,256.89 each. Not a Closing Disclosure.