Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,792Cash toward the purchase price.
Closing costs + prepaids$10,732Not just lender fees.
Before credits & paid funds$150,524The complete starting cash picture.
Estimated remaining funds due at closing
$150,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,792.20
Your down payment$139,792.20
Closing costs + prepaids$10,732.04
Total buyer cash needed$150,524.25
Remaining funds due$150,524.25
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)$477.50
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$484.54
Fees + prepaids$10,732.04
Your down payment is the seller’s equity. You take over the $195,208 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $150,524.25 is due at closing. Uses and sources reconcile at $345,732.04 each. Not a Closing Disclosure.