Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,268Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$111,678The complete starting cash picture.
Estimated remaining funds due at closing
$111,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,268.08
Your down payment$101,268.08
Closing costs + prepaids$10,409.43
Total buyer cash needed$111,677.50
Remaining funds due$111,677.50
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)$568.50
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$42.93
Fees + prepaids$10,409.43
Your down payment is the seller’s equity. You take over the $228,732 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $111,677.50 is due at closing. Uses and sources reconcile at $340,409.43 each. Not a Closing Disclosure.