Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$35,997Cash toward the purchase price.
Closing costs + prepaids$9,746Not just lender fees.
Before credits & paid funds$45,743The complete starting cash picture.
Estimated remaining funds due at closing
$45,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,997.00
Your down payment$35,997.00
Closing costs + prepaids$9,745.96
Total buyer cash needed$45,742.96
Remaining funds due$45,742.96
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)$155.00
Initial HOA (3 months)$639.00
Prepaid interest, first (18 days)$326.96
Fees + prepaids$9,745.96
Your down payment is the seller’s equity. You take over the $204,003 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $45,742.96 is due at closing. Uses and sources reconcile at $249,745.96 each. Not a Closing Disclosure.