Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$97,011Cash toward the purchase price.
Closing costs + prepaids$10,980Not just lender fees.
Before credits & paid funds$107,991The complete starting cash picture.
Estimated remaining funds due at closing
$107,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,010.80
Your down payment$97,010.80
Closing costs + prepaids$10,980.25
Total buyer cash needed$107,991.05
Remaining funds due$107,991.05
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)$879.25
Initial HOA (3 months)$168.75
Prepaid interest, first (22 days)$407.25
Fees + prepaids$10,980.25
Your down payment is the seller’s equity. You take over the $232,989 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $107,991.05 is due at closing. Uses and sources reconcile at $340,980.25 each. Not a Closing Disclosure.