Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,278Cash toward the purchase price.
Closing costs + prepaids$9,308Not just lender fees.
Before credits & paid funds$55,586The complete starting cash picture.
Estimated remaining funds due at closing
$55,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,277.63
Your down payment$46,277.63
Closing costs + prepaids$9,308.50
Total buyer cash needed$55,586.12
Remaining funds due$55,586.12
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)$643.00
Prepaid interest, first (1 days)$40.50
Fees + prepaids$9,308.50
Your down payment is the seller’s equity. You take over the $193,722 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $55,586.12 is due at closing. Uses and sources reconcile at $249,308.50 each. Not a Closing Disclosure.