Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$124,086Cash toward the purchase price.
Closing costs + prepaids$10,571Not just lender fees.
Before credits & paid funds$134,657The complete starting cash picture.
Estimated remaining funds due at closing
$134,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,085.61
Your down payment$124,085.61
Closing costs + prepaids$10,571.30
Total buyer cash needed$134,656.91
Remaining funds due$134,656.91
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)$310.00
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$537.30
Fees + prepaids$10,571.30
Your down payment is the seller’s equity. You take over the $215,914 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $134,656.91 is due at closing. Uses and sources reconcile at $350,571.30 each. Not a Closing Disclosure.