Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$301,032Cash toward the purchase price.
Closing costs + prepaids$10,564Not just lender fees.
Before credits & paid funds$311,595The complete starting cash picture.
Estimated remaining funds due at closing
$311,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,031.52
Your down payment$301,031.52
Closing costs + prepaids$10,563.58
Total buyer cash needed$311,595.11
Remaining funds due$311,595.11
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)$172.25
Initial HOA (3 months)$741.00
Prepaid interest, first (24 days)$125.33
Fees + prepaids$10,563.58
Your down payment is the seller’s equity. You take over the $28,968 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $311,595.11 is due at closing. Uses and sources reconcile at $340,563.58 each. Not a Closing Disclosure.