Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,143Cash toward the purchase price.
Closing costs + prepaids$9,974Not just lender fees.
Before credits & paid funds$117,117The complete starting cash picture.
Estimated remaining funds due at closing
$117,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,142.50
Your down payment$107,142.50
Closing costs + prepaids$9,974.48
Total buyer cash needed$117,116.98
Remaining funds due$117,116.98
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)$261.50
Initial HOA (3 months)$120.00
Prepaid interest, first (1 days)$17.98
Fees + prepaids$9,974.48
Your down payment is the seller’s equity. You take over the $227,857 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $117,116.98 is due at closing. Uses and sources reconcile at $344,974.48 each. Not a Closing Disclosure.