Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$198,871Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$209,179The complete starting cash picture.
Estimated remaining funds due at closing
$209,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,870.56
Your down payment$198,870.56
Closing costs + prepaids$10,308.39
Total buyer cash needed$209,178.95
Remaining funds due$209,178.95
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)$438.25
Prepaid interest, first (20 days)$245.14
Fees + prepaids$10,308.39
Your down payment is the seller’s equity. You take over the $141,129 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $209,178.95 is due at closing. Uses and sources reconcile at $350,308.39 each. Not a Closing Disclosure.