Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$162,406Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$174,042The complete starting cash picture.
Estimated remaining funds due at closing
$174,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,406.31
Your down payment$162,406.31
Closing costs + prepaids$11,635.48
Total buyer cash needed$174,041.78
Remaining funds due$174,041.78
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)$1,418.00
Initial HOA (3 months)$237.00
Prepaid interest, first (26 days)$355.48
Fees + prepaids$11,635.48
Your down payment is the seller’s equity. You take over the $177,594 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $174,041.78 is due at closing. Uses and sources reconcile at $351,635.48 each. Not a Closing Disclosure.