Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,703Cash toward the purchase price.
Closing costs + prepaids$12,075Not just lender fees.
Before credits & paid funds$39,778The complete starting cash picture.
Estimated remaining funds due at closing
$39,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,703.01
Your down payment$27,703.01
Closing costs + prepaids$12,074.52
Total buyer cash needed$39,777.53
Remaining funds due$39,777.53
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)$509.50
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$1,720.02
Fees + prepaids$12,074.52
Your down payment is the seller’s equity. You take over the $307,297 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $39,777.53 is due at closing. Uses and sources reconcile at $347,074.52 each. Not a Closing Disclosure.