Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$330,222Cash toward the purchase price.
Closing costs + prepaids$17,980Not just lender fees.
Before credits & paid funds$348,202The complete starting cash picture.
Estimated remaining funds due at closing
$348,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,221.52
Your down payment$330,221.52
Closing costs + prepaids$17,980.44
Total buyer cash needed$348,201.96
Remaining funds due$348,201.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,340.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,835.00
Initial HOA (3 months)$645.00
Prepaid interest, first (28 days)$935.44
Fees + prepaids$17,980.44
Your down payment is the seller’s equity. You take over the $403,778 balance, so the rest of the $734,000 price is paid at closing. A second mortgage can cover part of it. $348,201.96 is due at closing. Uses and sources reconcile at $751,980.44 each. Not a Closing Disclosure.