Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$329,482Cash toward the purchase price.
Closing costs + prepaids$11,062Not just lender fees.
Before credits & paid funds$340,544The complete starting cash picture.
Estimated remaining funds due at closing
$340,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,481.83
Your down payment$329,481.83
Closing costs + prepaids$11,062.00
Total buyer cash needed$340,543.83
Remaining funds due$340,543.83
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)$1,140.00
Prepaid interest, first (12 days)$1.00
Fees + prepaids$11,062.00
Your down payment is the seller’s equity. You take over the $518 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $340,543.83 is due at closing. Uses and sources reconcile at $341,062.00 each. Not a Closing Disclosure.