Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$299,716Cash toward the purchase price.
Closing costs + prepaids$10,575Not just lender fees.
Before credits & paid funds$310,291The complete starting cash picture.
Estimated remaining funds due at closing
$310,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,715.87
Your down payment$299,715.87
Closing costs + prepaids$10,574.69
Total buyer cash needed$310,290.56
Remaining funds due$310,290.56
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)$172.25
Initial HOA (3 months)$741.00
Prepaid interest, first (23 days)$136.44
Fees + prepaids$10,574.69
Your down payment is the seller’s equity. You take over the $30,284 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $310,290.56 is due at closing. Uses and sources reconcile at $340,574.69 each. Not a Closing Disclosure.