Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,446Cash toward the purchase price.
Closing costs + prepaids$11,356Not just lender fees.
Before credits & paid funds$42,802The complete starting cash picture.
Estimated remaining funds due at closing
$42,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,445.58
Your down payment$31,445.58
Closing costs + prepaids$11,356.45
Total buyer cash needed$42,802.02
Remaining funds due$42,802.02
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)$533.75
Prepaid interest, first (23 days)$1,197.70
Fees + prepaids$11,356.45
Your down payment is the seller’s equity. You take over the $308,554 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $42,802.02 is due at closing. Uses and sources reconcile at $351,356.45 each. Not a Closing Disclosure.