Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,977Cash toward the purchase price.
Closing costs + prepaids$10,882Not just lender fees.
Before credits & paid funds$134,860The complete starting cash picture.
Estimated remaining funds due at closing
$134,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,977.12
Your down payment$123,977.12
Closing costs + prepaids$10,882.43
Total buyer cash needed$134,859.55
Remaining funds due$134,859.55
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)$803.00
Prepaid interest, first (25 days)$504.43
Fees + prepaids$10,882.43
Your down payment is the seller’s equity. You take over the $211,023 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $134,859.55 is due at closing. Uses and sources reconcile at $345,882.43 each. Not a Closing Disclosure.