Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$85,180Cash toward the purchase price.
Closing costs + prepaids$11,078Not just lender fees.
Before credits & paid funds$96,258The complete starting cash picture.
Estimated remaining funds due at closing
$96,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,179.79
Your down payment$85,179.79
Closing costs + prepaids$11,077.72
Total buyer cash needed$96,257.51
Remaining funds due$96,257.51
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)$461.50
Initial HOA (3 months)$1,020.00
Prepaid interest, first (1 days)$21.22
Fees + prepaids$11,077.72
Your down payment is the seller’s equity. You take over the $249,820 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $96,257.51 is due at closing. Uses and sources reconcile at $346,077.72 each. Not a Closing Disclosure.