Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,023Cash toward the purchase price.
Closing costs + prepaids$10,501Not just lender fees.
Before credits & paid funds$35,524The complete starting cash picture.
Estimated remaining funds due at closing
$35,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,023.48
Your down payment$25,023.48
Closing costs + prepaids$10,500.98
Total buyer cash needed$35,524.46
Remaining funds due$35,524.46
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)$210.75
Initial HOA (3 months)$111.00
Prepaid interest, first (27 days)$654.24
Fees + prepaids$10,500.98
Your down payment is the seller’s equity. You take over the $304,976 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $35,524.46 is due at closing. Uses and sources reconcile at $340,499.98 each. Not a Closing Disclosure.