Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$131,855Cash toward the purchase price.
Closing costs + prepaids$10,233Not just lender fees.
Before credits & paid funds$142,088The complete starting cash picture.
Estimated remaining funds due at closing
$142,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,854.62
Your down payment$131,854.62
Closing costs + prepaids$10,232.96
Total buyer cash needed$142,087.58
Remaining funds due$142,087.58
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)$418.75
Prepaid interest, first (14 days)$239.21
Fees + prepaids$10,232.96
Your down payment is the seller’s equity. You take over the $203,145 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $142,087.58 is due at closing. Uses and sources reconcile at $345,232.96 each. Not a Closing Disclosure.