Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,626Cash toward the purchase price.
Closing costs + prepaids$10,552Not just lender fees.
Before credits & paid funds$210,178The complete starting cash picture.
Estimated remaining funds due at closing
$210,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,625.56
Your down payment$199,625.56
Closing costs + prepaids$10,551.97
Total buyer cash needed$210,177.53
Remaining funds due$210,177.53
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)$318.50
Initial HOA (3 months)$369.00
Prepaid interest, first (24 days)$339.47
Fees + prepaids$10,551.97
Your down payment is the seller’s equity. You take over the $130,374 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $210,177.53 is due at closing. Uses and sources reconcile at $340,551.97 each. Not a Closing Disclosure.