Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,669Cash toward the purchase price.
Closing costs + prepaids$12,330Not just lender fees.
Before credits & paid funds$41,000The complete starting cash picture.
Estimated remaining funds due at closing
$41,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,669.41
Your down payment$28,669.41
Closing costs + prepaids$12,330.18
Total buyer cash needed$40,999.58
Remaining funds due$40,999.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,309.99
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)$1,966.75
Initial HOA (3 months)$35.01
Prepaid interest, first (31 days)$793.43
Fees + prepaids$12,330.18
Your down payment is the seller’s equity. You take over the $302,330 balance, so the rest of the $330,999 price is paid at closing. A second mortgage can cover part of it. $40,999.58 is due at closing. Uses and sources reconcile at $343,329.18 each. Not a Closing Disclosure.