Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,314Cash toward the purchase price.
Closing costs + prepaids$10,004Not just lender fees.
Before credits & paid funds$156,317The complete starting cash picture.
Estimated remaining funds due at closing
$156,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,313.68
Your down payment$146,313.68
Closing costs + prepaids$10,003.61
Total buyer cash needed$156,317.29
Remaining funds due$156,317.29
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)$461.00
Prepaid interest, first (1 days)$17.61
Fees + prepaids$10,003.61
Your down payment is the seller’s equity. You take over the $183,686 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $156,317.29 is due at closing. Uses and sources reconcile at $340,003.61 each. Not a Closing Disclosure.