Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$61,406Cash toward the purchase price.
Closing costs + prepaids$9,820Not just lender fees.
Before credits & paid funds$71,226The complete starting cash picture.
Estimated remaining funds due at closing
$71,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,406.11
Your down payment$61,406.11
Closing costs + prepaids$9,819.65
Total buyer cash needed$71,225.75
Remaining funds due$71,225.75
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)$145.50
Initial HOA (3 months)$258.00
Prepaid interest, first (23 days)$791.15
Fees + prepaids$9,819.65
Your down payment is the seller’s equity. You take over the $178,594 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $71,225.75 is due at closing. Uses and sources reconcile at $249,819.65 each. Not a Closing Disclosure.