Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,046Cash toward the purchase price.
Closing costs + prepaids$10,381Not just lender fees.
Before credits & paid funds$96,427The complete starting cash picture.
Estimated remaining funds due at closing
$96,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,045.86
Your down payment$86,045.86
Closing costs + prepaids$10,381.22
Total buyer cash needed$96,427.08
Remaining funds due$96,427.08
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)$242.00
Initial HOA (3 months)$59.49
Prepaid interest, first (25 days)$504.73
Fees + prepaids$10,381.22
Your down payment is the seller’s equity. You take over the $248,954 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $96,427.08 is due at closing. Uses and sources reconcile at $345,381.22 each. Not a Closing Disclosure.