Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$210,587Cash toward the purchase price.
Closing costs + prepaids$9,662Not just lender fees.
Before credits & paid funds$220,249The complete starting cash picture.
Estimated remaining funds due at closing
$220,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,586.56
Your down payment$210,586.56
Closing costs + prepaids$9,661.99
Total buyer cash needed$220,248.54
Remaining funds due$220,248.54
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)$288.00
Initial HOA (3 months)$690.00
Prepaid interest, first (12 days)$58.99
Fees + prepaids$9,661.99
Your down payment is the seller’s equity. You take over the $29,413 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $220,248.54 is due at closing. Uses and sources reconcile at $249,661.99 each. Not a Closing Disclosure.