Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,456Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$27,097The complete starting cash picture.
Estimated remaining funds due at closing
$27,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,456.35
Your down payment$14,456.35
Closing costs + prepaids$12,640.97
Total buyer cash needed$27,097.32
Remaining funds due$27,097.32
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)$1,492.50
Prepaid interest, first (23 days)$1,573.47
Fees + prepaids$12,640.97
Your down payment is the seller’s equity. You take over the $320,544 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $27,097.32 is due at closing. Uses and sources reconcile at $347,640.97 each. Not a Closing Disclosure.