Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,264Cash toward the purchase price.
Closing costs + prepaids$11,602Not just lender fees.
Before credits & paid funds$62,865The complete starting cash picture.
Estimated remaining funds due at closing
$62,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,263.61
Your down payment$51,263.61
Closing costs + prepaids$11,601.77
Total buyer cash needed$62,865.38
Remaining funds due$62,865.38
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)$642.00
Prepaid interest, first (28 days)$1,434.77
Fees + prepaids$11,601.77
Your down payment is the seller’s equity. You take over the $278,736 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $62,865.38 is due at closing. Uses and sources reconcile at $341,601.77 each. Not a Closing Disclosure.