Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,347Cash toward the purchase price.
Closing costs + prepaids$11,416Not just lender fees.
Before credits & paid funds$38,763The complete starting cash picture.
Estimated remaining funds due at closing
$38,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,346.96
Your down payment$27,346.96
Closing costs + prepaids$11,415.62
Total buyer cash needed$38,762.58
Remaining funds due$38,762.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,300.00
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)$295.00
Initial HOA (3 months)$54.00
Prepaid interest, first (28 days)$1,541.62
Fees + prepaids$11,415.62
Your down payment is the seller’s equity. You take over the $302,653 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $38,762.58 is due at closing. Uses and sources reconcile at $341,415.62 each. Not a Closing Disclosure.