Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,419Cash toward the purchase price.
Closing costs + prepaids$12,129Not just lender fees.
Before credits & paid funds$40,548The complete starting cash picture.
Estimated remaining funds due at closing
$40,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,418.68
Your down payment$28,418.68
Closing costs + prepaids$12,129.48
Total buyer cash needed$40,548.16
Remaining funds due$40,548.16
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)$1,530.75
Prepaid interest, first (22 days)$1,023.73
Fees + prepaids$12,129.48
Your down payment is the seller’s equity. You take over the $306,581 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $40,548.16 is due at closing. Uses and sources reconcile at $347,129.48 each. Not a Closing Disclosure.