Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,529Cash toward the purchase price.
Closing costs + prepaids$11,235Not just lender fees.
Before credits & paid funds$140,763The complete starting cash picture.
Estimated remaining funds due at closing
$140,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,528.63
Your down payment$129,528.63
Closing costs + prepaids$11,234.72
Total buyer cash needed$140,763.35
Remaining funds due$140,763.35
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)$686.25
Initial HOA (3 months)$282.00
Prepaid interest, first (27 days)$741.47
Fees + prepaids$11,234.72
Your down payment is the seller’s equity. You take over the $200,471 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $140,763.35 is due at closing. Uses and sources reconcile at $341,234.72 each. Not a Closing Disclosure.