Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$105,729Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$116,539The complete starting cash picture.
Estimated remaining funds due at closing
$116,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,729.30
Your down payment$105,729.30
Closing costs + prepaids$10,809.48
Total buyer cash needed$116,538.78
Remaining funds due$116,538.78
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)$712.50
Prepaid interest, first (30 days)$521.98
Fees + prepaids$10,809.48
Your down payment is the seller’s equity. You take over the $229,271 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $116,538.78 is due at closing. Uses and sources reconcile at $345,809.48 each. Not a Closing Disclosure.