Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$33,660Cash toward the purchase price.
Closing costs + prepaids$11,005Not just lender fees.
Before credits & paid funds$44,665The complete starting cash picture.
Estimated remaining funds due at closing
$44,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,660.18
Your down payment$33,660.18
Closing costs + prepaids$11,004.77
Total buyer cash needed$44,664.95
Remaining funds due$44,664.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$309.75
Initial HOA (3 months)$162.51
Prepaid interest, first (19 days)$1,008.51
Fees + prepaids$11,004.77
Your down payment is the seller’s equity. You take over the $296,240 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $44,664.95 is due at closing. Uses and sources reconcile at $340,904.77 each. Not a Closing Disclosure.