Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$152,072Cash toward the purchase price.
Closing costs + prepaids$10,583Not just lender fees.
Before credits & paid funds$162,655The complete starting cash picture.
Estimated remaining funds due at closing
$162,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,072.13
Your down payment$152,072.13
Closing costs + prepaids$10,583.33
Total buyer cash needed$162,655.45
Remaining funds due$162,655.45
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)$333.75
Prepaid interest, first (20 days)$674.58
Fees + prepaids$10,583.33
Your down payment is the seller’s equity. You take over the $182,928 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $162,655.45 is due at closing. Uses and sources reconcile at $345,583.33 each. Not a Closing Disclosure.