Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$209,032Cash toward the purchase price.
Closing costs + prepaids$10,861Not just lender fees.
Before credits & paid funds$219,893The complete starting cash picture.
Estimated remaining funds due at closing
$219,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,031.78
Your down payment$209,031.78
Closing costs + prepaids$10,860.97
Total buyer cash needed$219,892.75
Remaining funds due$219,892.75
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)$480.00
Initial HOA (3 months)$572.01
Prepaid interest, first (24 days)$283.96
Fees + prepaids$10,860.97
Your down payment is the seller’s equity. You take over the $120,968 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $219,892.75 is due at closing. Uses and sources reconcile at $340,860.97 each. Not a Closing Disclosure.