Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$70,429Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$80,408The complete starting cash picture.
Estimated remaining funds due at closing
$80,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,429.29
Your down payment$70,429.29
Closing costs + prepaids$9,978.92
Total buyer cash needed$80,408.22
Remaining funds due$80,408.22
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)$960.00
Prepaid interest, first (6 days)$105.92
Fees + prepaids$9,978.92
Your down payment is the seller’s equity. You take over the $169,571 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $80,408.22 is due at closing. Uses and sources reconcile at $249,978.92 each. Not a Closing Disclosure.