Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,715Cash toward the purchase price.
Closing costs + prepaids$10,857Not just lender fees.
Before credits & paid funds$64,572The complete starting cash picture.
Estimated remaining funds due at closing
$64,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,715.24
Your down payment$53,715.24
Closing costs + prepaids$10,856.90
Total buyer cash needed$64,572.14
Remaining funds due$64,572.14
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)$191.75
Prepaid interest, first (22 days)$1,090.15
Fees + prepaids$10,856.90
Your down payment is the seller’s equity. You take over the $281,285 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $64,572.14 is due at closing. Uses and sources reconcile at $345,856.90 each. Not a Closing Disclosure.