Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$134,614Cash toward the purchase price.
Closing costs + prepaids$11,957Not just lender fees.
Before credits & paid funds$146,572The complete starting cash picture.
Estimated remaining funds due at closing
$146,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,614.30
Your down payment$134,614.30
Closing costs + prepaids$11,957.26
Total buyer cash needed$146,571.55
Remaining funds due$146,571.55
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)$795.75
Initial HOA (3 months)$1,089.99
Prepaid interest, first (28 days)$496.52
Fees + prepaids$11,957.26
Your down payment is the seller’s equity. You take over the $200,386 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $146,571.55 is due at closing. Uses and sources reconcile at $346,957.26 each. Not a Closing Disclosure.