Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$330,270Cash toward the purchase price.
Closing costs + prepaids$18,878Not just lender fees.
Before credits & paid funds$349,148The complete starting cash picture.
Estimated remaining funds due at closing
$349,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,270.10
Your down payment$330,270.10
Closing costs + prepaids$18,877.85
Total buyer cash needed$349,147.95
Remaining funds due$349,147.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,302.75
Initial HOA (3 months)$333.00
Prepaid interest, first (31 days)$1,727.10
Fees + prepaids$18,877.85
Your down payment is the seller’s equity. You take over the $398,730 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $349,147.95 is due at closing. Uses and sources reconcile at $747,877.85 each. Not a Closing Disclosure.