Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,538Cash toward the purchase price.
Closing costs + prepaids$9,791Not just lender fees.
Before credits & paid funds$147,329The complete starting cash picture.
Estimated remaining funds due at closing
$147,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,538.48
Your down payment$137,538.48
Closing costs + prepaids$9,790.58
Total buyer cash needed$147,329.05
Remaining funds due$147,329.05
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)$178.25
Prepaid interest, first (2 days)$37.33
Fees + prepaids$9,790.58
Your down payment is the seller’s equity. You take over the $197,462 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $147,329.05 is due at closing. Uses and sources reconcile at $344,790.58 each. Not a Closing Disclosure.