Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$163,365Cash toward the purchase price.
Closing costs + prepaids$10,590Not just lender fees.
Before credits & paid funds$173,955The complete starting cash picture.
Estimated remaining funds due at closing
$173,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,365.35
Your down payment$163,365.35
Closing costs + prepaids$10,590.01
Total buyer cash needed$173,955.36
Remaining funds due$173,955.36
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)$471.00
Prepaid interest, first (10 days)$142.01
Fees + prepaids$10,590.01
Your down payment is the seller’s equity. You take over the $171,635 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $173,955.36 is due at closing. Uses and sources reconcile at $345,590.01 each. Not a Closing Disclosure.