Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,481Cash toward the purchase price.
Closing costs + prepaids$11,665Not just lender fees.
Before credits & paid funds$33,146The complete starting cash picture.
Estimated remaining funds due at closing
$33,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,480.69
Your down payment$21,480.69
Closing costs + prepaids$11,664.93
Total buyer cash needed$33,145.62
Remaining funds due$33,145.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,298.60
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)$655.00
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$1,366.33
Fees + prepaids$11,664.93
Your down payment is the seller’s equity. You take over the $308,379 balance, so the rest of the $329,860 price is paid at closing. A second mortgage can cover part of it. $33,145.62 is due at closing. Uses and sources reconcile at $341,524.93 each. Not a Closing Disclosure.