Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$151,068Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$162,118The complete starting cash picture.
Estimated remaining funds due at closing
$162,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,067.59
Your down payment$151,067.59
Closing costs + prepaids$11,050.59
Total buyer cash needed$162,118.17
Remaining funds due$162,118.17
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)$687.50
Initial HOA (3 months)$521.01
Prepaid interest, first (22 days)$317.08
Fees + prepaids$11,050.59
Your down payment is the seller’s equity. You take over the $178,932 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $162,118.17 is due at closing. Uses and sources reconcile at $341,050.59 each. Not a Closing Disclosure.