Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,478Cash toward the purchase price.
Closing costs + prepaids$12,086Not just lender fees.
Before credits & paid funds$36,564The complete starting cash picture.
Estimated remaining funds due at closing
$36,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,477.59
Your down payment$24,477.59
Closing costs + prepaids$12,086.16
Total buyer cash needed$36,563.76
Remaining funds due$36,563.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,309.00
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)$1,022.00
Initial HOA (3 months)$249.99
Prepaid interest, first (23 days)$1,280.17
Fees + prepaids$12,086.16
Your down payment is the seller’s equity. You take over the $306,422 balance, so the rest of the $330,900 price is paid at closing. A second mortgage can cover part of it. $36,563.76 is due at closing. Uses and sources reconcile at $342,986.16 each. Not a Closing Disclosure.