Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$179,166Cash toward the purchase price.
Closing costs + prepaids$10,198Not just lender fees.
Before credits & paid funds$189,363The complete starting cash picture.
Estimated remaining funds due at closing
$189,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,165.65
Your down payment$179,165.65
Closing costs + prepaids$10,197.59
Total buyer cash needed$189,363.25
Remaining funds due$189,363.25
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)$188.75
Prepaid interest, first (31 days)$383.84
Fees + prepaids$10,197.59
Your down payment is the seller’s equity. You take over the $160,834 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $189,363.25 is due at closing. Uses and sources reconcile at $350,197.59 each. Not a Closing Disclosure.