Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$169,520Cash toward the purchase price.
Closing costs + prepaids$10,180Not just lender fees.
Before credits & paid funds$179,700The complete starting cash picture.
Estimated remaining funds due at closing
$179,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,520.29
Your down payment$169,520.29
Closing costs + prepaids$10,180.15
Total buyer cash needed$179,700.44
Remaining funds due$179,700.44
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)$382.75
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$21.40
Fees + prepaids$10,180.15
Your down payment is the seller’s equity. You take over the $165,480 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $179,700.44 is due at closing. Uses and sources reconcile at $345,180.15 each. Not a Closing Disclosure.