Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$43,879Cash toward the purchase price.
Closing costs + prepaids$11,848Not just lender fees.
Before credits & paid funds$55,727The complete starting cash picture.
Estimated remaining funds due at closing
$55,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,879.46
Your down payment$43,879.46
Closing costs + prepaids$11,847.69
Total buyer cash needed$55,727.15
Remaining funds due$55,727.15
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)$1,083.00
Prepaid interest, first (22 days)$1,189.69
Fees + prepaids$11,847.69
Your down payment is the seller’s equity. You take over the $291,121 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $55,727.15 is due at closing. Uses and sources reconcile at $346,847.69 each. Not a Closing Disclosure.