Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,677Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$95,566The complete starting cash picture.
Estimated remaining funds due at closing
$95,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,676.61
Your down payment$83,676.61
Closing costs + prepaids$11,889.21
Total buyer cash needed$95,565.82
Remaining funds due$95,565.82
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)$801.50
Initial HOA (3 months)$1,059.00
Prepaid interest, first (24 days)$503.71
Fees + prepaids$11,889.21
Your down payment is the seller’s equity. You take over the $246,323 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $95,565.82 is due at closing. Uses and sources reconcile at $341,889.21 each. Not a Closing Disclosure.