Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$79,647Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$90,053The complete starting cash picture.
Estimated remaining funds due at closing
$90,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,647.29
Your down payment$79,647.29
Closing costs + prepaids$10,405.51
Total buyer cash needed$90,052.79
Remaining funds due$90,052.79
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
Prepaid interest, first (14 days)$355.51
Fees + prepaids$10,405.51
Your down payment is the seller’s equity. You take over the $260,353 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $90,052.79 is due at closing. Uses and sources reconcile at $350,405.51 each. Not a Closing Disclosure.