Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,632Cash toward the purchase price.
Closing costs + prepaids$12,122Not just lender fees.
Before credits & paid funds$44,755The complete starting cash picture.
Estimated remaining funds due at closing
$44,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,632.46
Your down payment$32,632.46
Closing costs + prepaids$12,122.32
Total buyer cash needed$44,754.78
Remaining funds due$44,754.78
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)$1,091.75
Initial HOA (3 months)$222.00
Prepaid interest, first (23 days)$1,283.57
Fees + prepaids$12,122.32
Your down payment is the seller’s equity. You take over the $297,368 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $44,754.78 is due at closing. Uses and sources reconcile at $342,122.32 each. Not a Closing Disclosure.