Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$323,815Cash toward the purchase price.
Closing costs + prepaids$9,994Not just lender fees.
Before credits & paid funds$333,810The complete starting cash picture.
Estimated remaining funds due at closing
$333,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,815.44
Your down payment$323,815.44
Closing costs + prepaids$9,994.25
Total buyer cash needed$333,809.70
Remaining funds due$333,809.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$237.25
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$2.00
Fees + prepaids$9,994.25
Your down payment is the seller’s equity. You take over the $11,185 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $333,809.70 is due at closing. Uses and sources reconcile at $344,994.25 each. Not a Closing Disclosure.