Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$228,234Cash toward the purchase price.
Closing costs + prepaids$10,547Not just lender fees.
Before credits & paid funds$238,782The complete starting cash picture.
Estimated remaining funds due at closing
$238,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,234.44
Your down payment$228,234.44
Closing costs + prepaids$10,547.29
Total buyer cash needed$238,781.73
Remaining funds due$238,781.73
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)$525.25
Prepaid interest, first (31 days)$447.04
Fees + prepaids$10,547.29
Your down payment is the seller’s equity. You take over the $106,766 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $238,781.73 is due at closing. Uses and sources reconcile at $345,547.29 each. Not a Closing Disclosure.