Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,671Cash toward the purchase price.
Closing costs + prepaids$11,585Not just lender fees.
Before credits & paid funds$155,255The complete starting cash picture.
Estimated remaining funds due at closing
$155,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,670.72
Your down payment$143,670.72
Closing costs + prepaids$11,584.62
Total buyer cash needed$155,255.34
Remaining funds due$155,255.34
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)$1,099.75
Initial HOA (3 months)$387.00
Prepaid interest, first (31 days)$572.87
Fees + prepaids$11,584.62
Your down payment is the seller’s equity. You take over the $186,329 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $155,255.34 is due at closing. Uses and sources reconcile at $341,584.62 each. Not a Closing Disclosure.