Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,939Cash toward the purchase price.
Closing costs + prepaids$11,018Not just lender fees.
Before credits & paid funds$21,958The complete starting cash picture.
Estimated remaining funds due at closing
$21,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,939.28
Your down payment$10,939.28
Closing costs + prepaids$11,018.40
Total buyer cash needed$21,957.68
Remaining funds due$21,957.68
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)$183.50
Prepaid interest, first (27 days)$1,309.90
Fees + prepaids$11,018.40
Your down payment is the seller’s equity. You take over the $319,061 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $21,957.68 is due at closing. Uses and sources reconcile at $341,018.40 each. Not a Closing Disclosure.