Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,702Cash toward the purchase price.
Closing costs + prepaids$11,771Not just lender fees.
Before credits & paid funds$52,473The complete starting cash picture.
Estimated remaining funds due at closing
$52,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,702.06
Your down payment$40,702.06
Closing costs + prepaids$11,770.88
Total buyer cash needed$52,472.94
Remaining funds due$52,472.94
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)$1,436.75
Prepaid interest, first (23 days)$709.13
Fees + prepaids$11,770.88
Your down payment is the seller’s equity. You take over the $299,298 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $52,472.94 is due at closing. Uses and sources reconcile at $351,770.88 each. Not a Closing Disclosure.