Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,915Cash toward the purchase price.
Closing costs + prepaids$10,053Not just lender fees.
Before credits & paid funds$189,968The complete starting cash picture.
Estimated remaining funds due at closing
$189,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,914.93
Your down payment$179,914.93
Closing costs + prepaids$10,052.62
Total buyer cash needed$189,967.55
Remaining funds due$189,967.55
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)$126.00
Prepaid interest, first (23 days)$301.62
Fees + prepaids$10,052.62
Your down payment is the seller’s equity. You take over the $160,085 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $189,967.55 is due at closing. Uses and sources reconcile at $350,052.62 each. Not a Closing Disclosure.