Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,079Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$33,598The complete starting cash picture.
Estimated remaining funds due at closing
$33,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,078.88
Your down payment$21,078.88
Closing costs + prepaids$12,519.57
Total buyer cash needed$33,598.45
Remaining funds due$33,598.45
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)$1,471.50
Initial HOA (3 months)$219.00
Prepaid interest, first (24 days)$1,304.07
Fees + prepaids$12,519.57
Your down payment is the seller’s equity. You take over the $308,921 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $33,598.45 is due at closing. Uses and sources reconcile at $342,519.57 each. Not a Closing Disclosure.