Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$60,039Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$71,146The complete starting cash picture.
Estimated remaining funds due at closing
$71,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,038.67
Your down payment$60,038.67
Closing costs + prepaids$11,107.76
Total buyer cash needed$71,146.44
Remaining funds due$71,146.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$139.50
Prepaid interest, first (27 days)$1,393.26
Fees + prepaids$11,107.76
Your down payment is the seller’s equity. You take over the $274,961 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $71,146.44 is due at closing. Uses and sources reconcile at $346,107.76 each. Not a Closing Disclosure.