Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$58,064Cash toward the purchase price.
Closing costs + prepaids$14,171Not just lender fees.
Before credits & paid funds$72,235The complete starting cash picture.
Estimated remaining funds due at closing
$72,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,064.42
Your down payment$58,064.42
Closing costs + prepaids$14,171.01
Total buyer cash needed$72,235.42
Remaining funds due$72,235.42
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)$2,901.50
Initial HOA (3 months)$642.00
Prepaid interest, first (24 days)$1,052.51
Fees + prepaids$14,171.01
Your down payment is the seller’s equity. You take over the $276,936 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $72,235.42 is due at closing. Uses and sources reconcile at $349,171.01 each. Not a Closing Disclosure.