Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,894Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$246,290The complete starting cash picture.
Estimated remaining funds due at closing
$246,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,893.81
Your down payment$235,893.81
Closing costs + prepaids$10,396.24
Total buyer cash needed$246,290.05
Remaining funds due$246,290.05
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)$423.75
Prepaid interest, first (31 days)$347.49
Fees + prepaids$10,396.24
Your down payment is the seller’s equity. You take over the $104,106 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $246,290.05 is due at closing. Uses and sources reconcile at $350,396.24 each. Not a Closing Disclosure.