Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$280,574Cash toward the purchase price.
Closing costs + prepaids$10,152Not just lender fees.
Before credits & paid funds$290,725The complete starting cash picture.
Estimated remaining funds due at closing
$290,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,573.83
Your down payment$280,573.83
Closing costs + prepaids$10,151.56
Total buyer cash needed$290,725.39
Remaining funds due$290,725.39
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)$394.75
Prepaid interest, first (22 days)$131.81
Fees + prepaids$10,151.56
Your down payment is the seller’s equity. You take over the $59,426 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $290,725.39 is due at closing. Uses and sources reconcile at $350,151.56 each. Not a Closing Disclosure.