Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$240,566Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$251,360The complete starting cash picture.
Estimated remaining funds due at closing
$251,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,565.52
Your down payment$240,565.52
Closing costs + prepaids$10,794.31
Total buyer cash needed$251,359.83
Remaining funds due$251,359.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.98
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)$307.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$412.33
Fees + prepaids$10,794.31
Your down payment is the seller’s equity. You take over the $84,432 balance, so the rest of the $324,998 price is paid at closing. A second mortgage can cover part of it. $251,359.83 is due at closing. Uses and sources reconcile at $335,792.31 each. Not a Closing Disclosure.