Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$163,365Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$173,991The complete starting cash picture.
Estimated remaining funds due at closing
$173,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,365.35
Your down payment$163,365.35
Closing costs + prepaids$10,625.32
Total buyer cash needed$173,990.67
Remaining funds due$173,990.67
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)$309.50
Initial HOA (3 months)$471.00
Prepaid interest, first (19 days)$269.82
Fees + prepaids$10,625.32
Your down payment is the seller’s equity. You take over the $171,635 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $173,990.67 is due at closing. Uses and sources reconcile at $345,625.32 each. Not a Closing Disclosure.