Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$37,844Cash toward the purchase price.
Closing costs + prepaids$12,018Not just lender fees.
Before credits & paid funds$49,863The complete starting cash picture.
Estimated remaining funds due at closing
$49,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,844.42
Your down payment$37,844.42
Closing costs + prepaids$12,018.26
Total buyer cash needed$49,862.67
Remaining funds due$49,862.67
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)$1,131.25
Prepaid interest, first (24 days)$1,362.01
Fees + prepaids$12,018.26
Your down payment is the seller’s equity. You take over the $292,156 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $49,862.67 is due at closing. Uses and sources reconcile at $342,018.26 each. Not a Closing Disclosure.