Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,209Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$84,830The complete starting cash picture.
Estimated remaining funds due at closing
$84,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,209.26
Your down payment$73,209.26
Closing costs + prepaids$11,620.74
Total buyer cash needed$84,830.00
Remaining funds due$84,830.00
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)$850.00
Prepaid interest, first (25 days)$1,145.74
Fees + prepaids$11,620.74
Your down payment is the seller’s equity. You take over the $266,791 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $84,830.00 is due at closing. Uses and sources reconcile at $351,620.74 each. Not a Closing Disclosure.