Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$7,311Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$19,076The complete starting cash picture.
Estimated remaining funds due at closing
$19,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,311.34
Your down payment$7,311.34
Closing costs + prepaids$11,764.21
Total buyer cash needed$19,075.55
Remaining funds due$19,075.55
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)$1,981.00
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$108.21
Fees + prepaids$11,764.21
Your down payment is the seller’s equity. You take over the $322,689 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $19,075.55 is due at closing. Uses and sources reconcile at $341,764.21 each. Not a Closing Disclosure.