Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$158,753Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$169,589The complete starting cash picture.
Estimated remaining funds due at closing
$169,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,753.06
Your down payment$158,753.06
Closing costs + prepaids$10,836.19
Total buyer cash needed$169,589.25
Remaining funds due$169,589.25
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)$387.00
Initial HOA (3 months)$354.00
Prepaid interest, first (27 days)$520.19
Fees + prepaids$10,836.19
Your down payment is the seller’s equity. You take over the $176,247 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $169,589.25 is due at closing. Uses and sources reconcile at $345,836.19 each. Not a Closing Disclosure.