Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,768Cash toward the purchase price.
Closing costs + prepaids$10,958Not just lender fees.
Before credits & paid funds$164,726The complete starting cash picture.
Estimated remaining funds due at closing
$164,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,768.41
Your down payment$153,768.41
Closing costs + prepaids$10,958.00
Total buyer cash needed$164,726.40
Remaining funds due$164,726.40
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)$804.00
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$429.00
Fees + prepaids$10,958.00
Your down payment is the seller’s equity. You take over the $181,232 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $164,726.40 is due at closing. Uses and sources reconcile at $345,958.00 each. Not a Closing Disclosure.