Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$134,896Cash toward the purchase price.
Closing costs + prepaids$11,600Not just lender fees.
Before credits & paid funds$146,496The complete starting cash picture.
Estimated remaining funds due at closing
$146,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,896.49
Your down payment$134,896.49
Closing costs + prepaids$11,599.69
Total buyer cash needed$146,496.18
Remaining funds due$146,496.18
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)$1,450.00
Initial HOA (3 months)$57.00
Prepaid interest, first (29 days)$467.69
Fees + prepaids$11,599.69
Your down payment is the seller’s equity. You take over the $205,104 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $146,496.18 is due at closing. Uses and sources reconcile at $351,599.69 each. Not a Closing Disclosure.