Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,326Cash toward the purchase price.
Closing costs + prepaids$10,264Not just lender fees.
Before credits & paid funds$149,590The complete starting cash picture.
Estimated remaining funds due at closing
$149,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,326.43
Your down payment$139,326.43
Closing costs + prepaids$10,263.69
Total buyer cash needed$149,590.12
Remaining funds due$149,590.12
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)$477.50
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$16.19
Fees + prepaids$10,263.69
Your down payment is the seller’s equity. You take over the $195,674 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $149,590.12 is due at closing. Uses and sources reconcile at $345,263.69 each. Not a Closing Disclosure.