Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,021Cash toward the purchase price.
Closing costs + prepaids$11,777Not just lender fees.
Before credits & paid funds$88,798The complete starting cash picture.
Estimated remaining funds due at closing
$88,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,020.84
Your down payment$77,020.84
Closing costs + prepaids$11,776.79
Total buyer cash needed$88,797.63
Remaining funds due$88,797.63
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)$1,073.25
Prepaid interest, first (26 days)$1,178.54
Fees + prepaids$11,776.79
Your down payment is the seller’s equity. You take over the $252,979 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $88,797.63 is due at closing. Uses and sources reconcile at $341,776.79 each. Not a Closing Disclosure.