Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$40,742Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$53,126The complete starting cash picture.
Estimated remaining funds due at closing
$53,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,742.43
Your down payment$40,742.43
Closing costs + prepaids$12,384.05
Total buyer cash needed$53,126.48
Remaining funds due$53,126.48
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)$1,700.75
Prepaid interest, first (24 days)$1,158.30
Fees + prepaids$12,384.05
Your down payment is the seller’s equity. You take over the $289,258 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $53,126.48 is due at closing. Uses and sources reconcile at $342,384.05 each. Not a Closing Disclosure.