Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$64,837Cash toward the purchase price.
Closing costs + prepaids$12,409Not just lender fees.
Before credits & paid funds$77,247The complete starting cash picture.
Estimated remaining funds due at closing
$77,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,837.44
Your down payment$64,837.44
Closing costs + prepaids$12,409.13
Total buyer cash needed$77,246.57
Remaining funds due$77,246.57
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)$1,382.25
Initial HOA (3 months)$275.01
Prepaid interest, first (25 days)$1,176.87
Fees + prepaids$12,409.13
Your down payment is the seller’s equity. You take over the $270,163 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $77,246.57 is due at closing. Uses and sources reconcile at $347,409.13 each. Not a Closing Disclosure.