Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,189Cash toward the purchase price.
Closing costs + prepaids$10,899Not just lender fees.
Before credits & paid funds$126,089The complete starting cash picture.
Estimated remaining funds due at closing
$126,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,189.44
Your down payment$115,189.44
Closing costs + prepaids$10,899.50
Total buyer cash needed$126,088.94
Remaining funds due$126,088.94
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)$810.75
Prepaid interest, first (31 days)$563.75
Fees + prepaids$10,899.50
Your down payment is the seller’s equity. You take over the $214,811 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $126,088.94 is due at closing. Uses and sources reconcile at $340,899.50 each. Not a Closing Disclosure.