Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$73,544Cash toward the purchase price.
Closing costs + prepaids$11,580Not just lender fees.
Before credits & paid funds$85,124The complete starting cash picture.
Estimated remaining funds due at closing
$85,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,544.06
Your down payment$73,544.06
Closing costs + prepaids$11,579.84
Total buyer cash needed$85,123.90
Remaining funds due$85,123.90
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)$352.50
Initial HOA (3 months)$1,224.00
Prepaid interest, first (23 days)$478.34
Fees + prepaids$11,579.84
Your down payment is the seller’s equity. You take over the $256,456 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $85,123.90 is due at closing. Uses and sources reconcile at $341,579.84 each. Not a Closing Disclosure.