Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,544Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$183,179The complete starting cash picture.
Estimated remaining funds due at closing
$183,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,543.56
Your down payment$171,543.56
Closing costs + prepaids$11,635.63
Total buyer cash needed$183,179.20
Remaining funds due$183,179.20
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)$923.00
Initial HOA (3 months)$1,107.00
Prepaid interest, first (2 days)$30.63
Fees + prepaids$11,635.63
Your down payment is the seller’s equity. You take over the $163,456 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $183,179.20 is due at closing. Uses and sources reconcile at $346,635.63 each. Not a Closing Disclosure.