Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$163,365Cash toward the purchase price.
Closing costs + prepaids$10,576Not just lender fees.
Before credits & paid funds$173,941The complete starting cash picture.
Estimated remaining funds due at closing
$173,941No 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$10,575.81
Total buyer cash needed$173,941.16
Remaining funds due$173,941.16
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)$402.00
Initial HOA (3 months)$471.00
Prepaid interest, first (9 days)$127.81
Fees + prepaids$10,575.81
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. $173,941.16 is due at closing. Uses and sources reconcile at $345,575.81 each. Not a Closing Disclosure.