Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$59,837Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$70,598The complete starting cash picture.
Estimated remaining funds due at closing
$70,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,837.44
Your down payment$59,837.44
Closing costs + prepaids$10,760.91
Total buyer cash needed$70,598.35
Remaining funds due$70,598.35
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)$396.00
Initial HOA (3 months)$275.01
Prepaid interest, first (12 days)$564.90
Fees + prepaids$10,760.91
Your down payment is the seller’s equity. You take over the $270,163 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $70,598.35 is due at closing. Uses and sources reconcile at $340,760.91 each. Not a Closing Disclosure.