Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$7,328Cash toward the purchase price.
Closing costs + prepaids$10,875Not just lender fees.
Before credits & paid funds$18,203The complete starting cash picture.
Estimated remaining funds due at closing
$18,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,327.73
Your down payment$7,327.73
Closing costs + prepaids$10,874.95
Total buyer cash needed$18,202.68
Remaining funds due$18,202.68
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)$185.50
Initial HOA (3 months)$852.00
Prepaid interest, first (30 days)$1,212.45
Fees + prepaids$10,874.95
Your down payment is the seller’s equity. You take over the $232,672 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $18,202.68 is due at closing. Uses and sources reconcile at $250,874.95 each. Not a Closing Disclosure.