Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,072Cash toward the purchase price.
Closing costs + prepaids$10,221Not just lender fees.
Before credits & paid funds$27,293The complete starting cash picture.
Estimated remaining funds due at closing
$27,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,072.34
Your down payment$17,072.34
Closing costs + prepaids$10,221.09
Total buyer cash needed$27,293.43
Remaining funds due$27,293.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$434.75
Initial HOA (3 months)$231.00
Prepaid interest, first (1 days)$40.34
Fees + prepaids$10,221.09
Your down payment is the seller’s equity. You take over the $311,928 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $27,293.43 is due at closing. Uses and sources reconcile at $339,221.09 each. Not a Closing Disclosure.