Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$331,832Cash toward the purchase price.
Closing costs + prepaids$10,419Not just lender fees.
Before credits & paid funds$342,251The complete starting cash picture.
Estimated remaining funds due at closing
$342,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,831.72
Your down payment$331,831.72
Closing costs + prepaids$10,419.03
Total buyer cash needed$342,250.75
Remaining funds due$342,250.75
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)$490.00
Initial HOA (3 months)$261.00
Prepaid interest, first (29 days)$43.03
Fees + prepaids$10,419.03
Your down payment is the seller’s equity. You take over the $8,168 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $342,250.75 is due at closing. Uses and sources reconcile at $350,419.03 each. Not a Closing Disclosure.