Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$85,719Cash toward the purchase price.
Closing costs + prepaids$11,251Not just lender fees.
Before credits & paid funds$96,970The complete starting cash picture.
Estimated remaining funds due at closing
$96,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,719.14
Your down payment$85,719.14
Closing costs + prepaids$11,251.06
Total buyer cash needed$96,970.20
Remaining funds due$96,970.20
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)$1,020.00
Prepaid interest, first (12 days)$254.06
Fees + prepaids$11,251.06
Your down payment is the seller’s equity. You take over the $249,281 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $96,970.20 is due at closing. Uses and sources reconcile at $346,251.06 each. Not a Closing Disclosure.