Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,858Cash toward the purchase price.
Closing costs + prepaids$10,482Not just lender fees.
Before credits & paid funds$159,340The complete starting cash picture.
Estimated remaining funds due at closing
$159,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,857.85
Your down payment$148,857.85
Closing costs + prepaids$10,481.68
Total buyer cash needed$159,339.53
Remaining funds due$159,339.53
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)$397.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (2 days)$19.68
Fees + prepaids$10,481.68
Your down payment is the seller’s equity. You take over the $91,142 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $159,339.53 is due at closing. Uses and sources reconcile at $250,481.68 each. Not a Closing Disclosure.