Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,804Cash toward the purchase price.
Closing costs + prepaids$11,357Not just lender fees.
Before credits & paid funds$161,161The complete starting cash picture.
Estimated remaining funds due at closing
$161,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,803.53
Your down payment$149,803.53
Closing costs + prepaids$11,357.29
Total buyer cash needed$161,160.82
Remaining funds due$161,160.82
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)$1,690.50
Prepaid interest, first (2 days)$41.79
Fees + prepaids$11,357.29
Your down payment is the seller’s equity. You take over the $190,196 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $161,160.82 is due at closing. Uses and sources reconcile at $351,357.29 each. Not a Closing Disclosure.