Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$330,012Cash toward the purchase price.
Closing costs + prepaids$14,646Not just lender fees.
Before credits & paid funds$344,659The complete starting cash picture.
Estimated remaining funds due at closing
$344,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,012.36
Your down payment$330,012.36
Closing costs + prepaids$14,646.24
Total buyer cash needed$344,658.61
Remaining funds due$344,658.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,210.50
Initial HOA (3 months)$140.01
Prepaid interest, first (24 days)$520.73
Fees + prepaids$14,646.24
Your down payment is the seller’s equity. You take over the $199,988 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $344,658.61 is due at closing. Uses and sources reconcile at $544,646.24 each. Not a Closing Disclosure.