Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,138Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$30,860The complete starting cash picture.
Estimated remaining funds due at closing
$30,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,138.14
Your down payment$19,138.14
Closing costs + prepaids$11,721.54
Total buyer cash needed$30,859.68
Remaining funds due$30,859.68
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)$825.00
Prepaid interest, first (24 days)$1,371.54
Fees + prepaids$11,721.54
Your down payment is the seller’s equity. You take over the $310,862 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $30,859.68 is due at closing. Uses and sources reconcile at $341,721.54 each. Not a Closing Disclosure.