Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$151,122Cash toward the purchase price.
Closing costs + prepaids$12,269Not just lender fees.
Before credits & paid funds$163,391The complete starting cash picture.
Estimated remaining funds due at closing
$163,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,122.31
Your down payment$151,122.31
Closing costs + prepaids$12,269.05
Total buyer cash needed$163,391.36
Remaining funds due$163,391.36
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)$427.50
Initial HOA (3 months)$1,608.00
Prepaid interest, first (28 days)$608.55
Fees + prepaids$12,269.05
Your down payment is the seller’s equity. You take over the $188,878 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $163,391.36 is due at closing. Uses and sources reconcile at $352,269.05 each. Not a Closing Disclosure.