Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$228,542Cash toward the purchase price.
Closing costs + prepaids$10,844Not just lender fees.
Before credits & paid funds$239,386The complete starting cash picture.
Estimated remaining funds due at closing
$239,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,541.99
Your down payment$228,541.99
Closing costs + prepaids$10,844.46
Total buyer cash needed$239,386.45
Remaining funds due$239,386.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
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)$572.25
Initial HOA (3 months)$330.00
Prepaid interest, first (28 days)$317.21
Fees + prepaids$10,844.46
Your down payment is the seller’s equity. You take over the $111,458 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $239,386.45 is due at closing. Uses and sources reconcile at $350,844.46 each. Not a Closing Disclosure.