Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$221,490Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$231,613The complete starting cash picture.
Estimated remaining funds due at closing
$231,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,489.86
Your down payment$221,489.86
Closing costs + prepaids$10,123.01
Total buyer cash needed$231,612.87
Remaining funds due$231,612.87
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)$412.50
Prepaid interest, first (16 days)$185.51
Fees + prepaids$10,123.01
Your down payment is the seller’s equity. You take over the $108,510 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $231,612.87 is due at closing. Uses and sources reconcile at $340,123.01 each. Not a Closing Disclosure.