Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,816Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$30,790The complete starting cash picture.
Estimated remaining funds due at closing
$30,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,816.15
Your down payment$19,816.15
Closing costs + prepaids$10,973.39
Total buyer cash needed$30,789.54
Remaining funds due$30,789.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$564.50
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$673.90
Fees + prepaids$10,973.39
Your down payment is the seller’s equity. You take over the $310,183 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $30,789.54 is due at closing. Uses and sources reconcile at $340,972.39 each. Not a Closing Disclosure.