Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$108,523Cash toward the purchase price.
Closing costs + prepaids$9,799Not just lender fees.
Before credits & paid funds$118,322The complete starting cash picture.
Estimated remaining funds due at closing
$118,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,523.28
Your down payment$108,523.28
Closing costs + prepaids$9,798.70
Total buyer cash needed$118,321.98
Remaining funds due$118,321.98
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)$607.50
Initial HOA (3 months)$200.01
Prepaid interest, first (23 days)$366.19
Fees + prepaids$9,798.70
Your down payment is the seller’s equity. You take over the $131,477 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $118,321.98 is due at closing. Uses and sources reconcile at $249,798.70 each. Not a Closing Disclosure.