Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,412Cash toward the purchase price.
Closing costs + prepaids$13,098Not just lender fees.
Before credits & paid funds$29,510The complete starting cash picture.
Estimated remaining funds due at closing
$29,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,412.46
Your down payment$16,412.46
Closing costs + prepaids$13,097.94
Total buyer cash needed$29,510.40
Remaining funds due$29,510.40
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)$1,766.00
Initial HOA (3 months)$22.50
Prepaid interest, first (31 days)$1,784.44
Fees + prepaids$13,097.94
Your down payment is the seller’s equity. You take over the $313,588 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $29,510.40 is due at closing. Uses and sources reconcile at $343,097.94 each. Not a Closing Disclosure.