Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$58,748Cash toward the purchase price.
Closing costs + prepaids$12,152Not just lender fees.
Before credits & paid funds$70,899The complete starting cash picture.
Estimated remaining funds due at closing
$70,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,747.51
Your down payment$58,747.51
Closing costs + prepaids$12,151.74
Total buyer cash needed$70,899.25
Remaining funds due$70,899.25
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)$1,417.25
Prepaid interest, first (31 days)$1,209.49
Fees + prepaids$12,151.74
Your down payment is the seller’s equity. You take over the $271,252 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $70,899.25 is due at closing. Uses and sources reconcile at $342,151.74 each. Not a Closing Disclosure.