Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$219,171Cash toward the purchase price.
Closing costs + prepaids$10,299Not just lender fees.
Before credits & paid funds$229,470The complete starting cash picture.
Estimated remaining funds due at closing
$229,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,170.78
Your down payment$219,170.78
Closing costs + prepaids$10,299.43
Total buyer cash needed$229,470.22
Remaining funds due$229,470.22
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)$425.00
Initial HOA (3 months)$24.99
Prepaid interest, first (15 days)$224.44
Fees + prepaids$10,299.43
Your down payment is the seller’s equity. You take over the $120,829 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $229,470.22 is due at closing. Uses and sources reconcile at $350,299.43 each. Not a Closing Disclosure.