Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,225Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$106,931The complete starting cash picture.
Estimated remaining funds due at closing
$106,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,224.58
Your down payment$96,224.58
Closing costs + prepaids$10,706.47
Total buyer cash needed$106,931.04
Remaining funds due$106,931.04
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)$487.75
Initial HOA (3 months)$105.00
Prepaid interest, first (27 days)$538.72
Fees + prepaids$10,706.47
Your down payment is the seller’s equity. You take over the $238,775 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $106,931.04 is due at closing. Uses and sources reconcile at $345,706.47 each. Not a Closing Disclosure.