Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,445Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$142,060The complete starting cash picture.
Estimated remaining funds due at closing
$142,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,444.94
Your down payment$131,444.94
Closing costs + prepaids$10,615.48
Total buyer cash needed$142,060.42
Remaining funds due$142,060.42
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)$404.25
Initial HOA (3 months)$182.01
Prepaid interest, first (31 days)$504.22
Fees + prepaids$10,615.48
Your down payment is the seller’s equity. You take over the $198,555 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $142,060.42 is due at closing. Uses and sources reconcile at $340,615.48 each. Not a Closing Disclosure.