Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,942Cash toward the purchase price.
Closing costs + prepaids$9,883Not just lender fees.
Before credits & paid funds$156,825The complete starting cash picture.
Estimated remaining funds due at closing
$156,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,942.11
Your down payment$146,942.11
Closing costs + prepaids$9,882.56
Total buyer cash needed$156,824.68
Remaining funds due$156,824.68
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)$320.25
Prepaid interest, first (1 days)$37.31
Fees + prepaids$9,882.56
Your down payment is the seller’s equity. You take over the $183,058 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $156,824.68 is due at closing. Uses and sources reconcile at $339,882.56 each. Not a Closing Disclosure.