Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,871Cash toward the purchase price.
Closing costs + prepaids$11,954Not just lender fees.
Before credits & paid funds$169,825The complete starting cash picture.
Estimated remaining funds due at closing
$169,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,871.25
Your down payment$157,871.25
Closing costs + prepaids$11,953.98
Total buyer cash needed$169,825.23
Remaining funds due$169,825.23
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)$987.00
Initial HOA (3 months)$744.00
Prepaid interest, first (28 days)$597.98
Fees + prepaids$11,953.98
Your down payment is the seller’s equity. You take over the $182,129 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $169,825.23 is due at closing. Uses and sources reconcile at $351,953.98 each. Not a Closing Disclosure.