Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$122,855Cash toward the purchase price.
Closing costs + prepaids$10,092Not just lender fees.
Before credits & paid funds$132,947The complete starting cash picture.
Estimated remaining funds due at closing
$132,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,854.94
Your down payment$122,854.94
Closing costs + prepaids$10,092.39
Total buyer cash needed$132,947.33
Remaining funds due$132,947.33
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)$396.00
Prepaid interest, first (10 days)$171.39
Fees + prepaids$10,092.39
Your down payment is the seller’s equity. You take over the $207,145 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $132,947.33 is due at closing. Uses and sources reconcile at $340,092.39 each. Not a Closing Disclosure.