Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$243,702Cash toward the purchase price.
Closing costs + prepaids$10,087Not just lender fees.
Before credits & paid funds$253,788The complete starting cash picture.
Estimated remaining funds due at closing
$253,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,701.79
Your down payment$243,701.79
Closing costs + prepaids$10,086.61
Total buyer cash needed$253,788.40
Remaining funds due$253,788.40
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)$205.75
Prepaid interest, first (26 days)$255.86
Fees + prepaids$10,086.61
Your down payment is the seller’s equity. You take over the $96,298 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $253,788.40 is due at closing. Uses and sources reconcile at $350,086.61 each. Not a Closing Disclosure.