Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$150,503Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$161,425The complete starting cash picture.
Estimated remaining funds due at closing
$161,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,502.94
Your down payment$150,502.94
Closing costs + prepaids$10,922.42
Total buyer cash needed$161,425.36
Remaining funds due$161,425.36
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 (31 days)$447.42
Fees + prepaids$10,922.42
Your down payment is the seller’s equity. You take over the $189,497 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $161,425.36 is due at closing. Uses and sources reconcile at $350,922.42 each. Not a Closing Disclosure.