Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,881Cash toward the purchase price.
Closing costs + prepaids$12,008Not just lender fees.
Before credits & paid funds$28,889The complete starting cash picture.
Estimated remaining funds due at closing
$28,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,880.65
Your down payment$16,880.65
Closing costs + prepaids$12,007.93
Total buyer cash needed$28,888.59
Remaining funds due$28,888.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.90
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)$1,062.25
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$1,358.29
Fees + prepaids$12,007.93
Your down payment is the seller’s equity. You take over the $313,109 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $28,888.59 is due at closing. Uses and sources reconcile at $341,997.93 each. Not a Closing Disclosure.