Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$190,304Cash toward the purchase price.
Closing costs + prepaids$10,370Not just lender fees.
Before credits & paid funds$200,674The complete starting cash picture.
Estimated remaining funds due at closing
$200,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,304.23
Your down payment$190,304.23
Closing costs + prepaids$10,369.72
Total buyer cash needed$200,673.95
Remaining funds due$200,673.95
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)$1,593.50
Prepaid interest, first (29 days)$151.22
Fees + prepaids$10,369.72
Your down payment is the seller’s equity. You take over the $49,696 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $200,673.95 is due at closing. Uses and sources reconcile at $250,369.72 each. Not a Closing Disclosure.