Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,045Cash toward the purchase price.
Closing costs + prepaids$11,906Not just lender fees.
Before credits & paid funds$71,951The complete starting cash picture.
Estimated remaining funds due at closing
$71,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,044.89
Your down payment$60,044.89
Closing costs + prepaids$11,906.27
Total buyer cash needed$71,951.16
Remaining funds due$71,951.16
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)$911.25
Prepaid interest, first (26 days)$1,370.02
Fees + prepaids$11,906.27
Your down payment is the seller’s equity. You take over the $279,955 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $71,951.16 is due at closing. Uses and sources reconcile at $351,906.27 each. Not a Closing Disclosure.