Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,382Cash toward the purchase price.
Closing costs + prepaids$11,211Not just lender fees.
Before credits & paid funds$74,594The complete starting cash picture.
Estimated remaining funds due at closing
$74,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,382.07
Your down payment$63,382.07
Closing costs + prepaids$11,211.45
Total buyer cash needed$74,593.52
Remaining funds due$74,593.52
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)$330.75
Prepaid interest, first (31 days)$1,305.70
Fees + prepaids$11,211.45
Your down payment is the seller’s equity. You take over the $271,618 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $74,593.52 is due at closing. Uses and sources reconcile at $346,211.45 each. Not a Closing Disclosure.