Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$27,868Cash toward the purchase price.
Closing costs + prepaids$11,491Not just lender fees.
Before credits & paid funds$39,359The complete starting cash picture.
Estimated remaining funds due at closing
$39,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,868.30
Your down payment$27,868.30
Closing costs + prepaids$11,490.86
Total buyer cash needed$39,359.16
Remaining funds due$39,359.16
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)$1,131.00
Prepaid interest, first (7 days)$382.86
Fees + prepaids$11,490.86
Your down payment is the seller’s equity. You take over the $307,132 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $39,359.16 is due at closing. Uses and sources reconcile at $346,490.86 each. Not a Closing Disclosure.