Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$119,160Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$129,967The complete starting cash picture.
Estimated remaining funds due at closing
$129,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,160.36
Your down payment$119,160.36
Closing costs + prepaids$10,806.59
Total buyer cash needed$129,966.95
Remaining funds due$129,966.95
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)$441.50
Initial HOA (3 months)$201.00
Prepaid interest, first (27 days)$539.09
Fees + prepaids$10,806.59
Your down payment is the seller’s equity. You take over the $220,840 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $129,966.95 is due at closing. Uses and sources reconcile at $350,806.59 each. Not a Closing Disclosure.