Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$163,365Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$173,976The complete starting cash picture.
Estimated remaining funds due at closing
$173,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,365.35
Your down payment$163,365.35
Closing costs + prepaids$10,611.12
Total buyer cash needed$173,976.47
Remaining funds due$173,976.47
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)$309.50
Initial HOA (3 months)$471.00
Prepaid interest, first (18 days)$255.62
Fees + prepaids$10,611.12
Your down payment is the seller’s equity. You take over the $171,635 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $173,976.47 is due at closing. Uses and sources reconcile at $345,611.12 each. Not a Closing Disclosure.