Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$83,955Cash toward the purchase price.
Closing costs + prepaids$11,285Not just lender fees.
Before credits & paid funds$95,239The complete starting cash picture.
Estimated remaining funds due at closing
$95,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,954.70
Your down payment$83,954.70
Closing costs + prepaids$11,284.75
Total buyer cash needed$95,239.45
Remaining funds due$95,239.45
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)$424.00
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,065.75
Fees + prepaids$11,284.75
Your down payment is the seller’s equity. You take over the $246,045 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $95,239.45 is due at closing. Uses and sources reconcile at $341,284.75 each. Not a Closing Disclosure.