Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$179,269Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$189,781The complete starting cash picture.
Estimated remaining funds due at closing
$189,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,268.90
Your down payment$179,268.90
Closing costs + prepaids$10,511.62
Total buyer cash needed$189,780.51
Remaining funds due$189,780.51
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)$330.00
Initial HOA (3 months)$155.01
Prepaid interest, first (20 days)$401.61
Fees + prepaids$10,511.62
Your down payment is the seller’s equity. You take over the $160,731 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $189,780.51 is due at closing. Uses and sources reconcile at $350,511.62 each. Not a Closing Disclosure.