Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$110,547Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$121,603The complete starting cash picture.
Estimated remaining funds due at closing
$121,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,546.68
Your down payment$110,546.68
Closing costs + prepaids$11,056.69
Total buyer cash needed$121,603.37
Remaining funds due$121,603.37
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)$231.75
Initial HOA (3 months)$846.00
Prepaid interest, first (25 days)$453.94
Fees + prepaids$11,056.69
Your down payment is the seller’s equity. You take over the $219,453 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $121,603.37 is due at closing. Uses and sources reconcile at $341,056.69 each. Not a Closing Disclosure.