Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$206,071Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$215,987The complete starting cash picture.
Estimated remaining funds due at closing
$215,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,070.78
Your down payment$206,070.78
Closing costs + prepaids$9,915.96
Total buyer cash needed$215,986.75
Remaining funds due$215,986.75
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)$276.25
Prepaid interest, first (1 days)$14.71
Fees + prepaids$9,915.96
Your down payment is the seller’s equity. You take over the $133,929 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $215,986.75 is due at closing. Uses and sources reconcile at $349,915.96 each. Not a Closing Disclosure.