Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$150,446Cash toward the purchase price.
Closing costs + prepaids$9,854Not just lender fees.
Before credits & paid funds$160,301The complete starting cash picture.
Estimated remaining funds due at closing
$160,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,446.48
Your down payment$150,446.48
Closing costs + prepaids$9,854.25
Total buyer cash needed$160,300.73
Remaining funds due$160,300.73
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)$141.25
Initial HOA (3 months)$837.00
Prepaid interest, first (31 days)$251.00
Fees + prepaids$9,854.25
Your down payment is the seller’s equity. You take over the $89,554 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $160,300.73 is due at closing. Uses and sources reconcile at $249,854.25 each. Not a Closing Disclosure.