Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$197,007Cash toward the purchase price.
Closing costs + prepaids$10,731Not just lender fees.
Before credits & paid funds$207,739The complete starting cash picture.
Estimated remaining funds due at closing
$207,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,007.34
Your down payment$197,007.34
Closing costs + prepaids$10,731.31
Total buyer cash needed$207,738.65
Remaining funds due$207,738.65
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)$478.00
Prepaid interest, first (22 days)$628.31
Fees + prepaids$10,731.31
Your down payment is the seller’s equity. You take over the $142,993 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $207,738.65 is due at closing. Uses and sources reconcile at $350,731.31 each. Not a Closing Disclosure.