Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$172,016Cash toward the purchase price.
Closing costs + prepaids$11,972Not just lender fees.
Before credits & paid funds$183,988The complete starting cash picture.
Estimated remaining funds due at closing
$183,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,016.27
Your down payment$172,016.27
Closing costs + prepaids$11,971.51
Total buyer cash needed$183,987.78
Remaining funds due$183,987.78
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)$923.00
Initial HOA (3 months)$1,107.00
Prepaid interest, first (24 days)$366.51
Fees + prepaids$11,971.51
Your down payment is the seller’s equity. You take over the $162,984 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $183,987.78 is due at closing. Uses and sources reconcile at $346,971.51 each. Not a Closing Disclosure.