Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$89,912Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$101,194The complete starting cash picture.
Estimated remaining funds due at closing
$101,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,912.41
Your down payment$89,912.41
Closing costs + prepaids$11,281.52
Total buyer cash needed$101,193.93
Remaining funds due$101,193.93
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)$470.00
Prepaid interest, first (29 days)$1,236.52
Fees + prepaids$11,281.52
Your down payment is the seller’s equity. You take over the $245,088 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $101,193.93 is due at closing. Uses and sources reconcile at $346,281.52 each. Not a Closing Disclosure.