Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,699Cash toward the purchase price.
Closing costs + prepaids$10,531Not just lender fees.
Before credits & paid funds$157,230The complete starting cash picture.
Estimated remaining funds due at closing
$157,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,699.43
Your down payment$146,699.43
Closing costs + prepaids$10,530.88
Total buyer cash needed$157,230.31
Remaining funds due$157,230.31
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)$461.00
Prepaid interest, first (31 days)$544.88
Fees + prepaids$10,530.88
Your down payment is the seller’s equity. You take over the $183,301 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $157,230.31 is due at closing. Uses and sources reconcile at $340,530.88 each. Not a Closing Disclosure.