Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,542Cash toward the purchase price.
Closing costs + prepaids$12,003Not just lender fees.
Before credits & paid funds$127,545The complete starting cash picture.
Estimated remaining funds due at closing
$127,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,541.87
Your down payment$115,541.87
Closing costs + prepaids$12,002.87
Total buyer cash needed$127,544.74
Remaining funds due$127,544.74
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)$1,123.25
Initial HOA (3 months)$795.00
Prepaid interest, first (26 days)$509.62
Fees + prepaids$12,002.87
Your down payment is the seller’s equity. You take over the $219,458 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $127,544.74 is due at closing. Uses and sources reconcile at $347,002.87 each. Not a Closing Disclosure.