Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$204,169Cash toward the purchase price.
Closing costs + prepaids$9,905Not just lender fees.
Before credits & paid funds$214,075The complete starting cash picture.
Estimated remaining funds due at closing
$214,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,169.27
Your down payment$204,169.27
Closing costs + prepaids$9,905.31
Total buyer cash needed$214,074.58
Remaining funds due$214,074.58
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)$227.50
Initial HOA (3 months)$876.00
Prepaid interest, first (31 days)$176.81
Fees + prepaids$9,905.31
Your down payment is the seller’s equity. You take over the $35,831 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $214,074.58 is due at closing. Uses and sources reconcile at $249,905.31 each. Not a Closing Disclosure.