Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$17,597Cash toward the purchase price.
Closing costs + prepaids$11,389Not just lender fees.
Before credits & paid funds$28,986The complete starting cash picture.
Estimated remaining funds due at closing
$28,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,597.27
Your down payment$17,597.27
Closing costs + prepaids$11,388.82
Total buyer cash needed$28,986.09
Remaining funds due$28,986.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$434.75
Initial HOA (3 months)$231.00
Prepaid interest, first (30 days)$1,208.07
Fees + prepaids$11,388.82
Your down payment is the seller’s equity. You take over the $311,403 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $28,986.09 is due at closing. Uses and sources reconcile at $340,388.82 each. Not a Closing Disclosure.