Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$99,732Cash toward the purchase price.
Closing costs + prepaids$9,127Not just lender fees.
Before credits & paid funds$108,858The complete starting cash picture.
Estimated remaining funds due at closing
$108,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,731.62
Your down payment$99,731.62
Closing costs + prepaids$9,126.87
Total buyer cash needed$108,858.49
Remaining funds due$108,858.49
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)$300.00
Prepaid interest, first (17 days)$201.87
Fees + prepaids$9,126.87
Your down payment is the seller’s equity. You take over the $140,268 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $108,858.49 is due at closing. Uses and sources reconcile at $249,126.87 each. Not a Closing Disclosure.