Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$119,160Cash toward the purchase price.
Closing costs + prepaids$10,434Not just lender fees.
Before credits & paid funds$129,594The complete starting cash picture.
Estimated remaining funds due at closing
$129,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,160.36
Your down payment$119,160.36
Closing costs + prepaids$10,433.66
Total buyer cash needed$129,594.02
Remaining funds due$129,594.02
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)$408.00
Initial HOA (3 months)$201.00
Prepaid interest, first (10 days)$199.66
Fees + prepaids$10,433.66
Your down payment is the seller’s equity. You take over the $220,840 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $129,594.02 is due at closing. Uses and sources reconcile at $350,433.66 each. Not a Closing Disclosure.