Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,904Cash toward the purchase price.
Closing costs + prepaids$12,799Not just lender fees.
Before credits & paid funds$46,703The complete starting cash picture.
Estimated remaining funds due at closing
$46,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,904.04
Your down payment$33,904.04
Closing costs + prepaids$12,798.68
Total buyer cash needed$46,702.72
Remaining funds due$46,702.72
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)$1,770.50
Initial HOA (3 months)$48.75
Prepaid interest, first (25 days)$1,404.43
Fees + prepaids$12,798.68
Your down payment is the seller’s equity. You take over the $301,096 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $46,702.72 is due at closing. Uses and sources reconcile at $347,798.68 each. Not a Closing Disclosure.