Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$227,711Cash toward the purchase price.
Closing costs + prepaids$10,143Not just lender fees.
Before credits & paid funds$237,855The complete starting cash picture.
Estimated remaining funds due at closing
$237,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,711.14
Your down payment$227,711.14
Closing costs + prepaids$10,143.44
Total buyer cash needed$237,854.58
Remaining funds due$237,854.58
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
Prepaid interest, first (10 days)$110.44
Fees + prepaids$10,143.44
Your down payment is the seller’s equity. You take over the $112,289 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $237,854.58 is due at closing. Uses and sources reconcile at $350,143.44 each. Not a Closing Disclosure.