Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$314,017Cash toward the purchase price.
Closing costs + prepaids$10,216Not just lender fees.
Before credits & paid funds$324,233The complete starting cash picture.
Estimated remaining funds due at closing
$324,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,016.95
Your down payment$314,016.95
Closing costs + prepaids$10,216.25
Total buyer cash needed$324,233.20
Remaining funds due$324,233.20
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)$544.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$72.25
Fees + prepaids$10,216.25
Your down payment is the seller’s equity. You take over the $15,983 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $324,233.20 is due at closing. Uses and sources reconcile at $340,216.25 each. Not a Closing Disclosure.