Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,895Cash toward the purchase price.
Closing costs + prepaids$12,665Not just lender fees.
Before credits & paid funds$34,560The complete starting cash picture.
Estimated remaining funds due at closing
$34,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,894.68
Your down payment$21,894.68
Closing costs + prepaids$12,665.38
Total buyer cash needed$34,560.06
Remaining funds due$34,560.06
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)$1,055.00
Initial HOA (3 months)$462.99
Prepaid interest, first (30 days)$1,572.39
Fees + prepaids$12,665.38
Your down payment is the seller’s equity. You take over the $313,105 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $34,560.06 is due at closing. Uses and sources reconcile at $347,665.38 each. Not a Closing Disclosure.