Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$108,220Cash toward the purchase price.
Closing costs + prepaids$9,448Not just lender fees.
Before credits & paid funds$117,669The complete starting cash picture.
Estimated remaining funds due at closing
$117,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,220.11
Your down payment$108,220.11
Closing costs + prepaids$9,448.47
Total buyer cash needed$117,668.58
Remaining funds due$117,668.58
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)$607.50
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$15.96
Fees + prepaids$9,448.47
Your down payment is the seller’s equity. You take over the $131,780 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $117,668.58 is due at closing. Uses and sources reconcile at $249,448.47 each. Not a Closing Disclosure.