Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,315Cash toward the purchase price.
Closing costs + prepaids$12,377Not just lender fees.
Before credits & paid funds$33,693The complete starting cash picture.
Estimated remaining funds due at closing
$33,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,315.27
Your down payment$21,315.27
Closing costs + prepaids$12,377.45
Total buyer cash needed$33,692.72
Remaining funds due$33,692.72
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)$787.25
Initial HOA (3 months)$600.00
Prepaid interest, first (25 days)$1,465.20
Fees + prepaids$12,377.45
Your down payment is the seller’s equity. You take over the $308,685 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $33,692.72 is due at closing. Uses and sources reconcile at $342,377.45 each. Not a Closing Disclosure.