Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,074Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$41,070The complete starting cash picture.
Estimated remaining funds due at closing
$41,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,074.40
Your down payment$29,074.40
Closing costs + prepaids$11,995.15
Total buyer cash needed$41,069.54
Remaining funds due$41,069.54
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)$806.75
Initial HOA (3 months)$59.01
Prepaid interest, first (28 days)$1,604.39
Fees + prepaids$11,995.15
Your down payment is the seller’s equity. You take over the $300,926 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $41,069.54 is due at closing. Uses and sources reconcile at $341,995.15 each. Not a Closing Disclosure.