Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,647Cash toward the purchase price.
Closing costs + prepaids$10,759Not just lender fees.
Before credits & paid funds$90,407The complete starting cash picture.
Estimated remaining funds due at closing
$90,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,647.29
Your down payment$79,647.29
Closing costs + prepaids$10,759.44
Total buyer cash needed$90,406.73
Remaining funds due$90,406.73
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)$525.00
Prepaid interest, first (24 days)$609.44
Fees + prepaids$10,759.44
Your down payment is the seller’s equity. You take over the $260,353 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $90,406.73 is due at closing. Uses and sources reconcile at $350,759.44 each. Not a Closing Disclosure.