Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$328,816Cash toward the purchase price.
Closing costs + prepaids$10,858Not just lender fees.
Before credits & paid funds$339,674The complete starting cash picture.
Estimated remaining funds due at closing
$339,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,816.10
Your down payment$328,816.10
Closing costs + prepaids$10,858.09
Total buyer cash needed$339,674.19
Remaining funds due$339,674.19
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)$1,180.00
Prepaid interest, first (24 days)$53.09
Fees + prepaids$10,858.09
Your down payment is the seller’s equity. You take over the $11,184 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $339,674.19 is due at closing. Uses and sources reconcile at $350,858.09 each. Not a Closing Disclosure.