Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,981Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$60,608The complete starting cash picture.
Estimated remaining funds due at closing
$60,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,981.28
Your down payment$49,981.28
Closing costs + prepaids$10,626.88
Total buyer cash needed$60,608.16
Remaining funds due$60,608.16
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)$1,000.00
Prepaid interest, first (2 days)$101.88
Fees + prepaids$10,626.88
Your down payment is the seller’s equity. You take over the $280,019 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $60,608.16 is due at closing. Uses and sources reconcile at $340,626.88 each. Not a Closing Disclosure.