Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$55,612Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$66,488The complete starting cash picture.
Estimated remaining funds due at closing
$66,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,612.26
Your down payment$55,612.26
Closing costs + prepaids$10,875.64
Total buyer cash needed$66,487.90
Remaining funds due$66,487.90
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)$696.25
Initial HOA (3 months)$15.00
Prepaid interest, first (28 days)$589.39
Fees + prepaids$10,875.64
Your down payment is the seller’s equity. You take over the $279,388 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $66,487.90 is due at closing. Uses and sources reconcile at $345,875.64 each. Not a Closing Disclosure.