Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$86,405Cash toward the purchase price.
Closing costs + prepaids$9,790Not just lender fees.
Before credits & paid funds$96,196The complete starting cash picture.
Estimated remaining funds due at closing
$96,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,405.41
Your down payment$86,405.41
Closing costs + prepaids$9,790.10
Total buyer cash needed$96,195.51
Remaining funds due$96,195.51
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)$460.50
Prepaid interest, first (26 days)$704.60
Fees + prepaids$9,790.10
Your down payment is the seller’s equity. You take over the $153,595 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $96,195.51 is due at closing. Uses and sources reconcile at $249,790.10 each. Not a Closing Disclosure.