Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$176,882Cash toward the purchase price.
Closing costs + prepaids$10,758Not just lender fees.
Before credits & paid funds$187,640The complete starting cash picture.
Estimated remaining funds due at closing
$187,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,882.33
Your down payment$176,882.33
Closing costs + prepaids$10,757.91
Total buyer cash needed$187,640.25
Remaining funds due$187,640.25
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)$875.50
Prepaid interest, first (24 days)$357.41
Fees + prepaids$10,757.91
Your down payment is the seller’s equity. You take over the $153,118 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $187,640.25 is due at closing. Uses and sources reconcile at $340,757.91 each. Not a Closing Disclosure.