Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$230,288Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$240,816The complete starting cash picture.
Estimated remaining funds due at closing
$240,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,287.69
Your down payment$230,287.69
Closing costs + prepaids$10,528.26
Total buyer cash needed$240,815.95
Remaining funds due$240,815.95
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)$762.00
Initial HOA (3 months)$117.99
Prepaid interest, first (2 days)$23.27
Fees + prepaids$10,528.26
Your down payment is the seller’s equity. You take over the $109,712 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $240,815.95 is due at closing. Uses and sources reconcile at $350,528.26 each. Not a Closing Disclosure.