Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,683Cash toward the purchase price.
Closing costs + prepaids$9,810Not just lender fees.
Before credits & paid funds$26,492The complete starting cash picture.
Estimated remaining funds due at closing
$26,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,682.83
Your down payment$16,682.83
Closing costs + prepaids$9,809.57
Total buyer cash needed$26,492.40
Remaining funds due$26,492.40
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)$176.75
Prepaid interest, first (1 days)$57.82
Fees + prepaids$9,809.57
Your down payment is the seller’s equity. You take over the $318,317 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $26,492.40 is due at closing. Uses and sources reconcile at $344,809.57 each. Not a Closing Disclosure.