Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$135,138Cash toward the purchase price.
Closing costs + prepaids$11,665Not just lender fees.
Before credits & paid funds$146,803The complete starting cash picture.
Estimated remaining funds due at closing
$146,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,137.91
Your down payment$135,137.91
Closing costs + prepaids$11,665.19
Total buyer cash needed$146,803.10
Remaining funds due$146,803.10
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)$1,508.75
Initial HOA (3 months)$33.24
Prepaid interest, first (27 days)$598.20
Fees + prepaids$11,665.19
Your down payment is the seller’s equity. You take over the $194,862 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $146,803.10 is due at closing. Uses and sources reconcile at $341,665.19 each. Not a Closing Disclosure.