Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$163,285Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$175,630The complete starting cash picture.
Estimated remaining funds due at closing
$175,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,284.67
Your down payment$163,284.67
Closing costs + prepaids$12,345.16
Total buyer cash needed$175,629.83
Remaining funds due$175,629.83
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)$809.25
Initial HOA (3 months)$1,569.00
Prepaid interest, first (25 days)$441.91
Fees + prepaids$12,345.16
Your down payment is the seller’s equity. You take over the $166,715 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $175,629.83 is due at closing. Uses and sources reconcile at $342,345.16 each. Not a Closing Disclosure.