Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$199,252Cash toward the purchase price.
Closing costs + prepaids$10,227Not just lender fees.
Before credits & paid funds$209,479The complete starting cash picture.
Estimated remaining funds due at closing
$209,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,251.88
Your down payment$199,251.88
Closing costs + prepaids$10,226.69
Total buyer cash needed$209,478.57
Remaining funds due$209,478.57
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)$318.50
Initial HOA (3 months)$369.00
Prepaid interest, first (1 days)$14.19
Fees + prepaids$10,226.69
Your down payment is the seller’s equity. You take over the $130,748 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $209,478.57 is due at closing. Uses and sources reconcile at $340,226.69 each. Not a Closing Disclosure.