Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$115,990Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$126,162The complete starting cash picture.
Estimated remaining funds due at closing
$126,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,990.20
Your down payment$115,990.20
Closing costs + prepaids$10,171.90
Total buyer cash needed$126,162.10
Remaining funds due$126,162.10
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)$262.50
Prepaid interest, first (22 days)$384.40
Fees + prepaids$10,171.90
Your down payment is the seller’s equity. You take over the $214,010 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $126,162.10 is due at closing. Uses and sources reconcile at $340,171.90 each. Not a Closing Disclosure.