Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,792Cash toward the purchase price.
Closing costs + prepaids$11,667Not just lender fees.
Before credits & paid funds$37,459The complete starting cash picture.
Estimated remaining funds due at closing
$37,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,791.67
Your down payment$25,791.67
Closing costs + prepaids$11,667.21
Total buyer cash needed$37,458.88
Remaining funds due$37,458.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$346.00
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$1,527.21
Fees + prepaids$11,667.21
Your down payment is the seller’s equity. You take over the $304,108 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $37,458.88 is due at closing. Uses and sources reconcile at $341,567.21 each. Not a Closing Disclosure.