Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$139,782Cash toward the purchase price.
Closing costs + prepaids$11,839Not just lender fees.
Before credits & paid funds$151,620The complete starting cash picture.
Estimated remaining funds due at closing
$151,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,781.71
Your down payment$139,781.71
Closing costs + prepaids$11,838.74
Total buyer cash needed$151,620.45
Remaining funds due$151,620.45
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)$1,515.75
Initial HOA (3 months)$260.01
Prepaid interest, first (31 days)$537.98
Fees + prepaids$11,838.74
Your down payment is the seller’s equity. You take over the $190,218 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $151,620.45 is due at closing. Uses and sources reconcile at $341,838.74 each. Not a Closing Disclosure.