Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$237,696Cash toward the purchase price.
Closing costs + prepaids$10,746Not just lender fees.
Before credits & paid funds$248,442The complete starting cash picture.
Estimated remaining funds due at closing
$248,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,696.14
Your down payment$237,696.14
Closing costs + prepaids$10,746.03
Total buyer cash needed$248,442.17
Remaining funds due$248,442.17
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)$853.50
Prepaid interest, first (23 days)$267.53
Fees + prepaids$10,746.03
Your down payment is the seller’s equity. You take over the $102,304 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $248,442.17 is due at closing. Uses and sources reconcile at $350,746.03 each. Not a Closing Disclosure.