Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$337,269Cash toward the purchase price.
Closing costs + prepaids$9,891Not just lender fees.
Before credits & paid funds$347,159The complete starting cash picture.
Estimated remaining funds due at closing
$347,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,268.51
Your down payment$337,268.51
Closing costs + prepaids$9,890.78
Total buyer cash needed$347,159.29
Remaining funds due$347,159.29
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)$259.00
Prepaid interest, first (30 days)$6.78
Fees + prepaids$9,890.78
Your down payment is the seller’s equity. You take over the $2,731 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $347,159.29 is due at closing. Uses and sources reconcile at $349,890.78 each. Not a Closing Disclosure.