Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,994Cash toward the purchase price.
Closing costs + prepaids$12,042Not just lender fees.
Before credits & paid funds$65,037The complete starting cash picture.
Estimated remaining funds due at closing
$65,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,994.44
Your down payment$52,994.44
Closing costs + prepaids$12,042.47
Total buyer cash needed$65,036.91
Remaining funds due$65,036.91
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)$837.50
Initial HOA (3 months)$200.01
Prepaid interest, first (28 days)$1,429.96
Fees + prepaids$12,042.47
Your down payment is the seller’s equity. You take over the $282,006 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $65,036.91 is due at closing. Uses and sources reconcile at $347,042.47 each. Not a Closing Disclosure.