Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,419Cash toward the purchase price.
Closing costs + prepaids$11,493Not just lender fees.
Before credits & paid funds$36,911The complete starting cash picture.
Estimated remaining funds due at closing
$36,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,418.59
Your down payment$25,418.59
Closing costs + prepaids$11,492.72
Total buyer cash needed$36,911.31
Remaining funds due$36,911.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,330.00
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)$228.25
Initial HOA (3 months)$317.01
Prepaid interest, first (27 days)$1,392.46
Fees + prepaids$11,492.72
Your down payment is the seller’s equity. You take over the $307,581 balance, so the rest of the $333,000 price is paid at closing. A second mortgage can cover part of it. $36,911.31 is due at closing. Uses and sources reconcile at $344,492.72 each. Not a Closing Disclosure.