Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$172,762Cash toward the purchase price.
Closing costs + prepaids$11,413Not just lender fees.
Before credits & paid funds$184,176The complete starting cash picture.
Estimated remaining funds due at closing
$184,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,762.41
Your down payment$172,762.41
Closing costs + prepaids$11,413.38
Total buyer cash needed$184,175.79
Remaining funds due$184,175.79
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)$1,311.25
Initial HOA (3 months)$57.75
Prepaid interest, first (24 days)$469.38
Fees + prepaids$11,413.38
Your down payment is the seller’s equity. You take over the $162,238 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $184,175.79 is due at closing. Uses and sources reconcile at $346,413.38 each. Not a Closing Disclosure.