Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$250,102Cash toward the purchase price.
Closing costs + prepaids$10,287Not just lender fees.
Before credits & paid funds$260,389The complete starting cash picture.
Estimated remaining funds due at closing
$260,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,102.31
Your down payment$250,102.31
Closing costs + prepaids$10,287.05
Total buyer cash needed$260,389.36
Remaining funds due$260,389.36
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)$408.00
Initial HOA (3 months)$182.01
Prepaid interest, first (9 days)$72.04
Fees + prepaids$10,287.05
Your down payment is the seller’s equity. You take over the $89,898 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $260,389.36 is due at closing. Uses and sources reconcile at $350,287.05 each. Not a Closing Disclosure.