Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,092Cash toward the purchase price.
Closing costs + prepaids$10,075Not just lender fees.
Before credits & paid funds$145,166The complete starting cash picture.
Estimated remaining funds due at closing
$145,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,091.51
Your down payment$135,091.51
Closing costs + prepaids$10,074.94
Total buyer cash needed$145,166.45
Remaining funds due$145,166.45
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)$221.00
Prepaid interest, first (22 days)$328.94
Fees + prepaids$10,074.94
Your down payment is the seller’s equity. You take over the $194,908 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $145,166.45 is due at closing. Uses and sources reconcile at $340,074.94 each. Not a Closing Disclosure.