Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$239,429Cash toward the purchase price.
Closing costs + prepaids$10,598Not just lender fees.
Before credits & paid funds$250,026The complete starting cash picture.
Estimated remaining funds due at closing
$250,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,428.58
Your down payment$239,428.58
Closing costs + prepaids$10,597.81
Total buyer cash needed$250,026.40
Remaining funds due$250,026.40
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)$768.75
Prepaid interest, first (23 days)$204.06
Fees + prepaids$10,597.81
Your down payment is the seller’s equity. You take over the $100,571 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $250,026.40 is due at closing. Uses and sources reconcile at $350,597.81 each. Not a Closing Disclosure.