Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$119,728Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$130,470The complete starting cash picture.
Estimated remaining funds due at closing
$130,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,727.68
Your down payment$119,727.68
Closing costs + prepaids$10,741.90
Total buyer cash needed$130,469.58
Remaining funds due$130,469.58
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)$699.00
Prepaid interest, first (29 days)$517.90
Fees + prepaids$10,741.90
Your down payment is the seller’s equity. You take over the $210,272 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $130,469.58 is due at closing. Uses and sources reconcile at $340,741.90 each. Not a Closing Disclosure.