Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,776Cash toward the purchase price.
Closing costs + prepaids$9,779Not just lender fees.
Before credits & paid funds$48,555The complete starting cash picture.
Estimated remaining funds due at closing
$48,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,775.70
Your down payment$38,775.70
Closing costs + prepaids$9,778.91
Total buyer cash needed$48,554.60
Remaining funds due$48,554.60
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)$202.75
Prepaid interest, first (27 days)$951.16
Fees + prepaids$9,778.91
Your down payment is the seller’s equity. You take over the $201,224 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $48,554.60 is due at closing. Uses and sources reconcile at $249,778.91 each. Not a Closing Disclosure.