Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,287Cash toward the purchase price.
Closing costs + prepaids$11,350Not just lender fees.
Before credits & paid funds$39,637The complete starting cash picture.
Estimated remaining funds due at closing
$39,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,286.64
Your down payment$28,286.64
Closing costs + prepaids$11,349.88
Total buyer cash needed$39,636.52
Remaining funds due$39,636.52
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)$1,574.25
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$55.63
Fees + prepaids$11,349.88
Your down payment is the seller’s equity. You take over the $301,713 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $39,636.52 is due at closing. Uses and sources reconcile at $341,349.88 each. Not a Closing Disclosure.