Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,934Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$176,573The complete starting cash picture.
Estimated remaining funds due at closing
$176,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,933.97
Your down payment$165,933.97
Closing costs + prepaids$10,638.83
Total buyer cash needed$176,572.80
Remaining funds due$176,572.80
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)$1,095.00
Prepaid interest, first (1 days)$18.83
Fees + prepaids$10,638.83
Your down payment is the seller’s equity. You take over the $164,066 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $176,572.80 is due at closing. Uses and sources reconcile at $340,638.83 each. Not a Closing Disclosure.