Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,674Cash toward the purchase price.
Closing costs + prepaids$11,324Not just lender fees.
Before credits & paid funds$63,998The complete starting cash picture.
Estimated remaining funds due at closing
$63,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,673.58
Your down payment$52,673.58
Closing costs + prepaids$11,324.16
Total buyer cash needed$63,997.74
Remaining funds due$63,997.74
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)$277.25
Prepaid interest, first (27 days)$1,421.91
Fees + prepaids$11,324.16
Your down payment is the seller’s equity. You take over the $287,326 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $63,997.74 is due at closing. Uses and sources reconcile at $351,324.16 each. Not a Closing Disclosure.