Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$182,600Cash toward the purchase price.
Closing costs + prepaids$9,831Not just lender fees.
Before credits & paid funds$192,431The complete starting cash picture.
Estimated remaining funds due at closing
$192,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,600.30
Your down payment$182,600.30
Closing costs + prepaids$9,830.50
Total buyer cash needed$192,430.80
Remaining funds due$192,430.80
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)$913.00
Prepaid interest, first (30 days)$292.50
Fees + prepaids$9,830.50
Your down payment is the seller’s equity. You take over the $57,400 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $192,430.80 is due at closing. Uses and sources reconcile at $249,830.50 each. Not a Closing Disclosure.