Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,977Cash toward the purchase price.
Closing costs + prepaids$11,255Not just lender fees.
Before credits & paid funds$38,232The complete starting cash picture.
Estimated remaining funds due at closing
$38,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,976.58
Your down payment$26,976.58
Closing costs + prepaids$11,255.26
Total buyer cash needed$38,231.84
Remaining funds due$38,231.84
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)$370.25
Initial HOA (3 months)$390.00
Prepaid interest, first (18 days)$971.01
Fees + prepaids$11,255.26
Your down payment is the seller’s equity. You take over the $302,923 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $38,231.84 is due at closing. Uses and sources reconcile at $341,155.26 each. Not a Closing Disclosure.