Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$98,811Cash toward the purchase price.
Closing costs + prepaids$10,483Not just lender fees.
Before credits & paid funds$109,295The complete starting cash picture.
Estimated remaining funds due at closing
$109,295No 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$10,483.34
Total buyer cash needed$109,294.84
Remaining funds due$109,294.84
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)$219.00
Prepaid interest, first (9 days)$231.34
Fees + prepaids$10,483.34
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. $109,294.84 is due at closing. Uses and sources reconcile at $350,483.34 each. Not a Closing Disclosure.