Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,272Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$46,893The complete starting cash picture.
Estimated remaining funds due at closing
$46,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,271.82
Your down payment$35,271.82
Closing costs + prepaids$11,620.94
Total buyer cash needed$46,892.76
Remaining funds due$46,892.76
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)$439.00
Initial HOA (3 months)$252.00
Prepaid interest, first (25 days)$1,354.94
Fees + prepaids$11,620.94
Your down payment is the seller’s equity. You take over the $299,728 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $46,892.76 is due at closing. Uses and sources reconcile at $346,620.94 each. Not a Closing Disclosure.