Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$153,925Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$164,286The complete starting cash picture.
Estimated remaining funds due at closing
$164,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,924.65
Your down payment$153,924.65
Closing costs + prepaids$10,360.95
Total buyer cash needed$164,285.60
Remaining funds due$164,285.60
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)$265.00
Prepaid interest, first (31 days)$470.95
Fees + prepaids$10,360.95
Your down payment is the seller’s equity. You take over the $186,075 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $164,285.60 is due at closing. Uses and sources reconcile at $350,360.95 each. Not a Closing Disclosure.