Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$196,936Cash toward the purchase price.
Closing costs + prepaids$10,550Not just lender fees.
Before credits & paid funds$207,487The complete starting cash picture.
Estimated remaining funds due at closing
$207,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,936.17
Your down payment$196,936.17
Closing costs + prepaids$10,550.40
Total buyer cash needed$207,486.57
Remaining funds due$207,486.57
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)$867.00
Prepaid interest, first (5 days)$58.40
Fees + prepaids$10,550.40
Your down payment is the seller’s equity. You take over the $143,064 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $207,486.57 is due at closing. Uses and sources reconcile at $350,550.40 each. Not a Closing Disclosure.