Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$319,963Cash toward the purchase price.
Closing costs + prepaids$10,142Not just lender fees.
Before credits & paid funds$330,104The complete starting cash picture.
Estimated remaining funds due at closing
$330,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,962.82
Your down payment$319,962.82
Closing costs + prepaids$10,141.53
Total buyer cash needed$330,104.36
Remaining funds due$330,104.36
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)$509.50
Initial HOA (3 months)$87.99
Prepaid interest, first (25 days)$19.04
Fees + prepaids$10,141.53
Your down payment is the seller’s equity. You take over the $10,037 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $330,104.36 is due at closing. Uses and sources reconcile at $340,141.53 each. Not a Closing Disclosure.