Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,593Cash toward the purchase price.
Closing costs + prepaids$10,680Not just lender fees.
Before credits & paid funds$168,273The complete starting cash picture.
Estimated remaining funds due at closing
$168,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,593.30
Your down payment$157,593.30
Closing costs + prepaids$10,680.00
Total buyer cash needed$168,273.30
Remaining funds due$168,273.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,450.00
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)$254.00
Initial HOA (3 months)$209.01
Prepaid interest, first (28 days)$541.99
Fees + prepaids$10,680.00
Your down payment is the seller’s equity. You take over the $187,407 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $168,273.30 is due at closing. Uses and sources reconcile at $355,680.00 each. Not a Closing Disclosure.