Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$240,444Cash toward the purchase price.
Closing costs + prepaids$10,029Not just lender fees.
Before credits & paid funds$250,473The complete starting cash picture.
Estimated remaining funds due at closing
$250,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,444.03
Your down payment$240,444.03
Closing costs + prepaids$10,029.26
Total buyer cash needed$250,473.28
Remaining funds due$250,473.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,470.00
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)$1,005.75
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$28.51
Fees + prepaids$10,029.26
Your down payment is the seller’s equity. You take over the $6,556 balance, so the rest of the $247,000 price is paid at closing. A second mortgage can cover part of it. $250,473.28 is due at closing. Uses and sources reconcile at $257,029.26 each. Not a Closing Disclosure.