Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,379Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$70,859The complete starting cash picture.
Estimated remaining funds due at closing
$70,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,378.64
Your down payment$58,378.64
Closing costs + prepaids$12,480.40
Total buyer cash needed$70,859.04
Remaining funds due$70,859.04
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)$1,643.00
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$1,287.41
Fees + prepaids$12,480.40
Your down payment is the seller’s equity. You take over the $271,621 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $70,859.04 is due at closing. Uses and sources reconcile at $342,480.40 each. Not a Closing Disclosure.