Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,580Cash toward the purchase price.
Closing costs + prepaids$11,223Not just lender fees.
Before credits & paid funds$46,803The complete starting cash picture.
Estimated remaining funds due at closing
$46,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,580.07
Your down payment$35,580.07
Closing costs + prepaids$11,222.53
Total buyer cash needed$46,802.60
Remaining funds due$46,802.60
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)$212.25
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$1,275.28
Fees + prepaids$11,222.53
Your down payment is the seller’s equity. You take over the $294,420 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $46,802.60 is due at closing. Uses and sources reconcile at $341,222.53 each. Not a Closing Disclosure.