Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$153,503Cash toward the purchase price.
Closing costs + prepaids$9,905Not just lender fees.
Before credits & paid funds$163,409The complete starting cash picture.
Estimated remaining funds due at closing
$163,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,503.35
Your down payment$153,503.35
Closing costs + prepaids$9,905.23
Total buyer cash needed$163,408.57
Remaining funds due$163,408.57
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 (1 days)$15.23
Fees + prepaids$9,905.23
Your down payment is the seller’s equity. You take over the $186,497 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $163,408.57 is due at closing. Uses and sources reconcile at $349,905.23 each. Not a Closing Disclosure.