Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$132,913Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$143,703The complete starting cash picture.
Estimated remaining funds due at closing
$143,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,912.80
Your down payment$132,912.80
Closing costs + prepaids$10,789.84
Total buyer cash needed$143,702.64
Remaining funds due$143,702.64
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)$408.00
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$580.84
Fees + prepaids$10,789.84
Your down payment is the seller’s equity. You take over the $197,087 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $143,702.64 is due at closing. Uses and sources reconcile at $340,789.84 each. Not a Closing Disclosure.