Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,927Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$36,088The complete starting cash picture.
Estimated remaining funds due at closing
$36,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,927.47
Your down payment$25,927.47
Closing costs + prepaids$10,160.90
Total buyer cash needed$36,088.37
Remaining funds due$36,088.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,339.00
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)$228.25
Initial HOA (3 months)$317.01
Prepaid interest, first (1 days)$51.64
Fees + prepaids$10,160.90
Your down payment is the seller’s equity. You take over the $307,973 balance, so the rest of the $333,900 price is paid at closing. A second mortgage can cover part of it. $36,088.37 is due at closing. Uses and sources reconcile at $344,060.90 each. Not a Closing Disclosure.