Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$122,753Cash toward the purchase price.
Closing costs + prepaids$10,643Not just lender fees.
Before credits & paid funds$133,395The complete starting cash picture.
Estimated remaining funds due at closing
$133,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,752.52
Your down payment$122,752.52
Closing costs + prepaids$10,642.85
Total buyer cash needed$133,395.37
Remaining funds due$133,395.37
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)$290.00
Prepaid interest, first (20 days)$827.85
Fees + prepaids$10,642.85
Your down payment is the seller’s equity. You take over the $207,247 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $133,395.37 is due at closing. Uses and sources reconcile at $340,642.85 each. Not a Closing Disclosure.