Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,528Cash toward the purchase price.
Closing costs + prepaids$10,846Not just lender fees.
Before credits & paid funds$12,374The complete starting cash picture.
Estimated remaining funds due at closing
$12,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,527.85
Your down payment$1,527.85
Closing costs + prepaids$10,846.46
Total buyer cash needed$12,374.30
Remaining funds due$12,374.30
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)$396.00
Initial HOA (3 months)$399.00
Prepaid interest, first (9 days)$526.46
Fees + prepaids$10,846.46
Your down payment is the seller’s equity. You take over the $328,472 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $12,374.30 is due at closing. Uses and sources reconcile at $340,846.46 each. Not a Closing Disclosure.