Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$230,599Cash toward the purchase price.
Closing costs + prepaids$11,061Not just lender fees.
Before credits & paid funds$241,660The complete starting cash picture.
Estimated remaining funds due at closing
$241,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,598.74
Your down payment$230,598.74
Closing costs + prepaids$11,061.27
Total buyer cash needed$241,660.01
Remaining funds due$241,660.01
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)$850.00
Prepaid interest, first (30 days)$586.27
Fees + prepaids$11,061.27
Your down payment is the seller’s equity. You take over the $109,401 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $241,660.01 is due at closing. Uses and sources reconcile at $351,061.27 each. Not a Closing Disclosure.