Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$73,544Cash toward the purchase price.
Closing costs + prepaids$11,395Not just lender fees.
Before credits & paid funds$84,939The complete starting cash picture.
Estimated remaining funds due at closing
$84,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,544.06
Your down payment$73,544.06
Closing costs + prepaids$11,394.57
Total buyer cash needed$84,938.63
Remaining funds due$84,938.63
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)$396.00
Initial HOA (3 months)$1,224.00
Prepaid interest, first (12 days)$249.57
Fees + prepaids$11,394.57
Your down payment is the seller’s equity. You take over the $256,456 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $84,938.63 is due at closing. Uses and sources reconcile at $341,394.57 each. Not a Closing Disclosure.