Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,341Cash toward the purchase price.
Closing costs + prepaids$12,142Not just lender fees.
Before credits & paid funds$98,483The complete starting cash picture.
Estimated remaining funds due at closing
$98,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,341.03
Your down payment$86,341.03
Closing costs + prepaids$12,141.59
Total buyer cash needed$98,482.63
Remaining funds due$98,482.63
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)$1,369.25
Initial HOA (3 months)$41.25
Prepaid interest, first (23 days)$1,106.09
Fees + prepaids$12,141.59
Your down payment is the seller’s equity. You take over the $253,659 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $98,482.63 is due at closing. Uses and sources reconcile at $352,141.59 each. Not a Closing Disclosure.