Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,011Cash toward the purchase price.
Closing costs + prepaids$11,128Not just lender fees.
Before credits & paid funds$108,139The complete starting cash picture.
Estimated remaining funds due at closing
$108,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,010.80
Your down payment$97,010.80
Closing costs + prepaids$11,128.34
Total buyer cash needed$108,139.14
Remaining funds due$108,139.14
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)$879.25
Initial HOA (3 months)$168.75
Prepaid interest, first (30 days)$555.34
Fees + prepaids$11,128.34
Your down payment is the seller’s equity. You take over the $232,989 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $108,139.14 is due at closing. Uses and sources reconcile at $341,128.34 each. Not a Closing Disclosure.