Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,201Cash toward the purchase price.
Closing costs + prepaids$11,242Not just lender fees.
Before credits & paid funds$211,444The complete starting cash picture.
Estimated remaining funds due at closing
$211,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,201.49
Your down payment$200,201.49
Closing costs + prepaids$11,242.46
Total buyer cash needed$211,443.94
Remaining funds due$211,443.94
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)$837.50
Initial HOA (3 months)$582.00
Prepaid interest, first (18 days)$247.96
Fees + prepaids$11,242.46
Your down payment is the seller’s equity. You take over the $134,799 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $211,443.94 is due at closing. Uses and sources reconcile at $346,242.46 each. Not a Closing Disclosure.