Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$167,166Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$178,736The complete starting cash picture.
Estimated remaining funds due at closing
$178,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,165.95
Your down payment$167,165.95
Closing costs + prepaids$11,569.59
Total buyer cash needed$178,735.54
Remaining funds due$178,735.54
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)$462.25
Initial HOA (3 months)$750.00
Prepaid interest, first (22 days)$732.34
Fees + prepaids$11,569.59
Your down payment is the seller’s equity. You take over the $172,834 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $178,735.54 is due at closing. Uses and sources reconcile at $351,569.59 each. Not a Closing Disclosure.