Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,391Cash toward the purchase price.
Closing costs + prepaids$10,443Not just lender fees.
Before credits & paid funds$154,834The complete starting cash picture.
Estimated remaining funds due at closing
$154,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,390.61
Your down payment$144,390.61
Closing costs + prepaids$10,443.42
Total buyer cash needed$154,834.03
Remaining funds due$154,834.03
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)$837.50
Prepaid interest, first (2 days)$30.92
Fees + prepaids$10,443.42
Your down payment is the seller’s equity. You take over the $190,609 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $154,834.03 is due at closing. Uses and sources reconcile at $345,443.42 each. Not a Closing Disclosure.