Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,178Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$34,789The complete starting cash picture.
Estimated remaining funds due at closing
$34,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,178.49
Your down payment$23,178.49
Closing costs + prepaids$11,610.77
Total buyer cash needed$34,789.26
Remaining funds due$34,789.26
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)$436.25
Prepaid interest, first (31 days)$1,649.52
Fees + prepaids$11,610.77
Your down payment is the seller’s equity. You take over the $306,822 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $34,789.26 is due at closing. Uses and sources reconcile at $341,610.77 each. Not a Closing Disclosure.