Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$23,178Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$34,257The complete starting cash picture.
Estimated remaining funds due at closing
$34,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,178.49
Your down payment$23,178.49
Closing costs + prepaids$11,078.67
Total buyer cash needed$34,257.16
Remaining funds due$34,257.16
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)$436.25
Prepaid interest, first (21 days)$1,117.42
Fees + prepaids$11,078.67
Your down payment is the seller’s equity. You take over the $306,822 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $34,257.16 is due at closing. Uses and sources reconcile at $341,078.67 each. Not a Closing Disclosure.