Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,400Cash toward the purchase price.
Closing costs + prepaids$9,815Not just lender fees.
Before credits & paid funds$97,215The complete starting cash picture.
Estimated remaining funds due at closing
$97,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,399.70
Your down payment$87,399.70
Closing costs + prepaids$9,814.81
Total buyer cash needed$97,214.51
Remaining funds due$97,214.51
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)$271.00
Prepaid interest, first (1 days)$18.81
Fees + prepaids$9,814.81
Your down payment is the seller’s equity. You take over the $242,600 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $97,214.51 is due at closing. Uses and sources reconcile at $339,814.81 each. Not a Closing Disclosure.