Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$142,454Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$153,269The complete starting cash picture.
Estimated remaining funds due at closing
$153,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,453.74
Your down payment$142,453.74
Closing costs + prepaids$10,814.77
Total buyer cash needed$153,268.51
Remaining funds due$153,268.51
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)$138.25
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$891.52
Fees + prepaids$10,814.77
Your down payment is the seller’s equity. You take over the $192,546 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $153,268.51 is due at closing. Uses and sources reconcile at $345,814.77 each. Not a Closing Disclosure.