Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,029Cash toward the purchase price.
Closing costs + prepaids$11,459Not just lender fees.
Before credits & paid funds$55,487The complete starting cash picture.
Estimated remaining funds due at closing
$55,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,028.66
Your down payment$44,028.66
Closing costs + prepaids$11,458.57
Total buyer cash needed$55,487.23
Remaining funds due$55,487.23
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)$370.75
Initial HOA (3 months)$294.99
Prepaid interest, first (31 days)$1,267.83
Fees + prepaids$11,458.57
Your down payment is the seller’s equity. You take over the $285,971 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $55,487.23 is due at closing. Uses and sources reconcile at $341,458.57 each. Not a Closing Disclosure.