Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$142,657Cash toward the purchase price.
Closing costs + prepaids$10,422Not just lender fees.
Before credits & paid funds$153,079The complete starting cash picture.
Estimated remaining funds due at closing
$153,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,656.69
Your down payment$142,656.69
Closing costs + prepaids$10,421.97
Total buyer cash needed$153,078.66
Remaining funds due$153,078.66
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)$814.25
Initial HOA (3 months)$59.01
Prepaid interest, first (1 days)$23.71
Fees + prepaids$10,421.97
Your down payment is the seller’s equity. You take over the $187,343 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $153,078.66 is due at closing. Uses and sources reconcile at $340,421.97 each. Not a Closing Disclosure.