Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$265,854Cash toward the purchase price.
Closing costs + prepaids$10,178Not just lender fees.
Before credits & paid funds$276,031The complete starting cash picture.
Estimated remaining funds due at closing
$276,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,853.65
Your down payment$265,853.65
Closing costs + prepaids$10,177.78
Total buyer cash needed$276,031.43
Remaining funds due$276,031.43
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)$293.00
Prepaid interest, first (23 days)$259.78
Fees + prepaids$10,177.78
Your down payment is the seller’s equity. You take over the $74,146 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $276,031.43 is due at closing. Uses and sources reconcile at $350,177.78 each. Not a Closing Disclosure.