Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,682Cash toward the purchase price.
Closing costs + prepaids$11,441Not just lender fees.
Before credits & paid funds$82,122The complete starting cash picture.
Estimated remaining funds due at closing
$82,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,681.83
Your down payment$70,681.83
Closing costs + prepaids$11,440.62
Total buyer cash needed$82,122.44
Remaining funds due$82,122.44
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)$1,824.25
Prepaid interest, first (2 days)$91.37
Fees + prepaids$11,440.62
Your down payment is the seller’s equity. You take over the $259,318 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $82,122.44 is due at closing. Uses and sources reconcile at $341,440.62 each. Not a Closing Disclosure.