Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$315,173Cash toward the purchase price.
Closing costs + prepaids$10,696Not just lender fees.
Before credits & paid funds$325,868The complete starting cash picture.
Estimated remaining funds due at closing
$325,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,172.65
Your down payment$315,172.65
Closing costs + prepaids$10,695.52
Total buyer cash needed$325,868.17
Remaining funds due$325,868.17
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)$573.00
Initial HOA (3 months)$510.00
Prepaid interest, first (31 days)$87.52
Fees + prepaids$10,695.52
Your down payment is the seller’s equity. You take over the $14,827 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $325,868.17 is due at closing. Uses and sources reconcile at $340,695.52 each. Not a Closing Disclosure.