Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$44,054Cash toward the purchase price.
Closing costs + prepaids$10,337Not just lender fees.
Before credits & paid funds$54,390The complete starting cash picture.
Estimated remaining funds due at closing
$54,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,053.51
Your down payment$44,053.51
Closing costs + prepaids$10,336.73
Total buyer cash needed$54,390.24
Remaining funds due$54,390.24
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)$412.50
Prepaid interest, first (13 days)$399.23
Fees + prepaids$10,336.73
Your down payment is the seller’s equity. You take over the $285,946 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $54,390.24 is due at closing. Uses and sources reconcile at $340,336.73 each. Not a Closing Disclosure.