Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$8,742Cash toward the purchase price.
Closing costs + prepaids$12,540Not just lender fees.
Before credits & paid funds$21,282The complete starting cash picture.
Estimated remaining funds due at closing
$21,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,741.78
Your down payment$8,741.78
Closing costs + prepaids$12,540.41
Total buyer cash needed$21,282.19
Remaining funds due$21,282.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$353.00
Initial HOA (3 months)$756.00
Prepaid interest, first (30 days)$1,906.42
Fees + prepaids$12,540.41
Your down payment is the seller’s equity. You take over the $321,257 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $21,282.19 is due at closing. Uses and sources reconcile at $342,539.41 each. Not a Closing Disclosure.