Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,934Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$133,535The complete starting cash picture.
Estimated remaining funds due at closing
$133,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,933.59
Your down payment$120,933.59
Closing costs + prepaids$12,601.39
Total buyer cash needed$133,534.97
Remaining funds due$133,534.97
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)$1,395.00
Initial HOA (3 months)$1,032.00
Prepaid interest, first (28 days)$599.39
Fees + prepaids$12,601.39
Your down payment is the seller’s equity. You take over the $214,066 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $133,534.97 is due at closing. Uses and sources reconcile at $347,601.39 each. Not a Closing Disclosure.