Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$272,345Cash toward the purchase price.
Closing costs + prepaids$9,920Not just lender fees.
Before credits & paid funds$282,265The complete starting cash picture.
Estimated remaining funds due at closing
$282,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,344.95
Your down payment$272,344.95
Closing costs + prepaids$9,919.95
Total buyer cash needed$282,264.90
Remaining funds due$282,264.90
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)$135.25
Prepaid interest, first (24 days)$159.70
Fees + prepaids$9,919.95
Your down payment is the seller’s equity. You take over the $67,655 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $282,264.90 is due at closing. Uses and sources reconcile at $349,919.95 each. Not a Closing Disclosure.