Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,811Cash toward the purchase price.
Closing costs + prepaids$11,205Not just lender fees.
Before credits & paid funds$110,017The complete starting cash picture.
Estimated remaining funds due at closing
$110,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,811.49
Your down payment$98,811.49
Closing costs + prepaids$11,205.10
Total buyer cash needed$110,016.59
Remaining funds due$110,016.59
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)$564.25
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$796.85
Fees + prepaids$11,205.10
Your down payment is the seller’s equity. You take over the $241,189 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $110,016.59 is due at closing. Uses and sources reconcile at $351,205.10 each. Not a Closing Disclosure.