Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$149,310Cash toward the purchase price.
Closing costs + prepaids$12,212Not just lender fees.
Before credits & paid funds$161,522The complete starting cash picture.
Estimated remaining funds due at closing
$161,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,310.34
Your down payment$149,310.34
Closing costs + prepaids$12,211.83
Total buyer cash needed$161,522.17
Remaining funds due$161,522.17
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)$2,340.50
Prepaid interest, first (22 days)$346.33
Fees + prepaids$12,211.83
Your down payment is the seller’s equity. You take over the $180,690 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $161,522.17 is due at closing. Uses and sources reconcile at $342,211.83 each. Not a Closing Disclosure.