Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,231Cash toward the purchase price.
Closing costs + prepaids$11,730Not just lender fees.
Before credits & paid funds$85,961The complete starting cash picture.
Estimated remaining funds due at closing
$85,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,231.07
Your down payment$74,231.07
Closing costs + prepaids$11,729.93
Total buyer cash needed$85,961.00
Remaining funds due$85,961.00
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)$1,729.25
Initial HOA (3 months)$426.00
Prepaid interest, first (1 days)$49.68
Fees + prepaids$11,729.93
Your down payment is the seller’s equity. You take over the $255,769 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $85,961.00 is due at closing. Uses and sources reconcile at $341,729.93 each. Not a Closing Disclosure.