Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$68,753Cash toward the purchase price.
Closing costs + prepaids$10,921Not just lender fees.
Before credits & paid funds$79,675The complete starting cash picture.
Estimated remaining funds due at closing
$79,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,753.32
Your down payment$68,753.32
Closing costs + prepaids$10,921.47
Total buyer cash needed$79,674.79
Remaining funds due$79,674.79
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)$218.00
Initial HOA (3 months)$150.00
Prepaid interest, first (19 days)$978.47
Fees + prepaids$10,921.47
Your down payment is the seller’s equity. You take over the $266,247 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $79,674.79 is due at closing. Uses and sources reconcile at $345,921.47 each. Not a Closing Disclosure.