Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,800Cash toward the purchase price.
Closing costs + prepaids$10,821Not just lender fees.
Before credits & paid funds$180,621The complete starting cash picture.
Estimated remaining funds due at closing
$180,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,800.33
Your down payment$169,800.33
Closing costs + prepaids$10,821.00
Total buyer cash needed$180,621.33
Remaining funds due$180,621.33
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)$382.75
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$662.25
Fees + prepaids$10,821.00
Your down payment is the seller’s equity. You take over the $165,200 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $180,621.33 is due at closing. Uses and sources reconcile at $345,821.00 each. Not a Closing Disclosure.