Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$164,546Cash toward the purchase price.
Closing costs + prepaids$11,052Not just lender fees.
Before credits & paid funds$175,598The complete starting cash picture.
Estimated remaining funds due at closing
$175,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,546.02
Your down payment$164,546.02
Closing costs + prepaids$11,051.86
Total buyer cash needed$175,597.89
Remaining funds due$175,597.89
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)$764.50
Initial HOA (3 months)$164.01
Prepaid interest, first (30 days)$598.35
Fees + prepaids$11,051.86
Your down payment is the seller’s equity. You take over the $165,454 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $175,597.89 is due at closing. Uses and sources reconcile at $341,051.86 each. Not a Closing Disclosure.