Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,684Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$231,354The complete starting cash picture.
Estimated remaining funds due at closing
$231,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,683.79
Your down payment$221,683.79
Closing costs + prepaids$9,669.80
Total buyer cash needed$231,353.58
Remaining funds due$231,353.58
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)$252.75
Initial HOA (3 months)$735.00
Prepaid interest, first (28 days)$57.05
Fees + prepaids$9,669.80
Your down payment is the seller’s equity. You take over the $18,316 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $231,353.58 is due at closing. Uses and sources reconcile at $249,669.80 each. Not a Closing Disclosure.