Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,946Cash toward the purchase price.
Closing costs + prepaids$11,604Not just lender fees.
Before credits & paid funds$50,550The complete starting cash picture.
Estimated remaining funds due at closing
$50,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,946.04
Your down payment$38,946.04
Closing costs + prepaids$11,603.57
Total buyer cash needed$50,549.61
Remaining funds due$50,549.61
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)$535.00
Prepaid interest, first (27 days)$1,493.57
Fees + prepaids$11,603.57
Your down payment is the seller’s equity. You take over the $296,054 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $50,549.61 is due at closing. Uses and sources reconcile at $346,603.57 each. Not a Closing Disclosure.