Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,577Cash toward the purchase price.
Closing costs + prepaids$10,703Not just lender fees.
Before credits & paid funds$136,280The complete starting cash picture.
Estimated remaining funds due at closing
$136,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,577.39
Your down payment$125,577.39
Closing costs + prepaids$10,702.89
Total buyer cash needed$136,280.28
Remaining funds due$136,280.28
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)$481.50
Prepaid interest, first (27 days)$596.39
Fees + prepaids$10,702.89
Your down payment is the seller’s equity. You take over the $214,423 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $136,280.28 is due at closing. Uses and sources reconcile at $350,702.89 each. Not a Closing Disclosure.