Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,986Cash toward the purchase price.
Closing costs + prepaids$11,210Not just lender fees.
Before credits & paid funds$157,196The complete starting cash picture.
Estimated remaining funds due at closing
$157,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,985.82
Your down payment$145,985.82
Closing costs + prepaids$11,210.17
Total buyer cash needed$157,195.99
Remaining funds due$157,195.99
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)$931.25
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$403.92
Fees + prepaids$11,210.17
Your down payment is the seller’s equity. You take over the $189,014 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $157,195.99 is due at closing. Uses and sources reconcile at $346,210.17 each. Not a Closing Disclosure.