Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,172Cash toward the purchase price.
Closing costs + prepaids$11,089Not just lender fees.
Before credits & paid funds$36,261The complete starting cash picture.
Estimated remaining funds due at closing
$36,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,172.26
Your down payment$25,172.26
Closing costs + prepaids$11,088.68
Total buyer cash needed$36,260.95
Remaining funds due$36,260.95
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)$400.00
Prepaid interest, first (20 days)$1,113.68
Fees + prepaids$11,088.68
Your down payment is the seller’s equity. You take over the $309,828 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $36,260.95 is due at closing. Uses and sources reconcile at $346,088.68 each. Not a Closing Disclosure.