Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$66,581Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$77,067The complete starting cash picture.
Estimated remaining funds due at closing
$77,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,581.38
Your down payment$66,581.38
Closing costs + prepaids$10,485.58
Total buyer cash needed$77,066.96
Remaining funds due$77,066.96
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
Initial HOA (3 months)$63.00
Prepaid interest, first (10 days)$501.58
Fees + prepaids$10,485.58
Your down payment is the seller’s equity. You take over the $263,419 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $77,066.96 is due at closing. Uses and sources reconcile at $340,485.58 each. Not a Closing Disclosure.