Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,680Cash toward the purchase price.
Closing costs + prepaids$11,996Not just lender fees.
Before credits & paid funds$219,676The complete starting cash picture.
Estimated remaining funds due at closing
$219,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,680.32
Your down payment$207,680.32
Closing costs + prepaids$11,995.72
Total buyer cash needed$219,676.04
Remaining funds due$219,676.04
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)$2,031.75
Prepaid interest, first (27 days)$388.97
Fees + prepaids$11,995.72
Your down payment is the seller’s equity. You take over the $127,320 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $219,676.04 is due at closing. Uses and sources reconcile at $346,995.72 each. Not a Closing Disclosure.