Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,927Cash toward the purchase price.
Closing costs + prepaids$10,100Not just lender fees.
Before credits & paid funds$94,027The complete starting cash picture.
Estimated remaining funds due at closing
$94,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,927.35
Your down payment$83,927.35
Closing costs + prepaids$10,100.09
Total buyer cash needed$94,027.44
Remaining funds due$94,027.44
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)$760.25
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$384.84
Fees + prepaids$10,100.09
Your down payment is the seller’s equity. You take over the $156,073 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $94,027.44 is due at closing. Uses and sources reconcile at $250,100.09 each. Not a Closing Disclosure.