Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,626Cash toward the purchase price.
Closing costs + prepaids$10,415Not just lender fees.
Before credits & paid funds$142,040The complete starting cash picture.
Estimated remaining funds due at closing
$142,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,625.55
Your down payment$131,625.55
Closing costs + prepaids$10,414.72
Total buyer cash needed$142,040.27
Remaining funds due$142,040.27
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)$595.50
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$19.22
Fees + prepaids$10,414.72
Your down payment is the seller’s equity. You take over the $203,374 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $142,040.27 is due at closing. Uses and sources reconcile at $345,414.72 each. Not a Closing Disclosure.