Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$53,745Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$64,283The complete starting cash picture.
Estimated remaining funds due at closing
$64,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,744.59
Your down payment$53,744.59
Closing costs + prepaids$10,538.29
Total buyer cash needed$64,282.88
Remaining funds due$64,282.88
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)$315.25
Prepaid interest, first (29 days)$648.04
Fees + prepaids$10,538.29
Your down payment is the seller’s equity. You take over the $281,255 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $64,282.88 is due at closing. Uses and sources reconcile at $345,538.29 each. Not a Closing Disclosure.