Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$177,193Cash toward the purchase price.
Closing costs + prepaids$10,321Not just lender fees.
Before credits & paid funds$187,514The complete starting cash picture.
Estimated remaining funds due at closing
$187,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,193.08
Your down payment$177,193.08
Closing costs + prepaids$10,321.02
Total buyer cash needed$187,514.10
Remaining funds due$187,514.10
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)$1,350.00
Prepaid interest, first (6 days)$58.02
Fees + prepaids$10,321.02
Your down payment is the seller’s equity. You take over the $62,807 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $187,514.10 is due at closing. Uses and sources reconcile at $250,321.02 each. Not a Closing Disclosure.