Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$131,445Cash toward the purchase price.
Closing costs + prepaids$10,266Not just lender fees.
Before credits & paid funds$141,711The complete starting cash picture.
Estimated remaining funds due at closing
$141,711No 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$10,265.66
Total buyer cash needed$141,710.60
Remaining funds due$141,710.60
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)$182.01
Prepaid interest, first (10 days)$162.65
Fees + prepaids$10,265.66
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. $141,710.60 is due at closing. Uses and sources reconcile at $340,265.66 each. Not a Closing Disclosure.