Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$99,326Cash toward the purchase price.
Closing costs + prepaids$11,355Not just lender fees.
Before credits & paid funds$110,681The complete starting cash picture.
Estimated remaining funds due at closing
$110,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,326.15
Your down payment$99,326.15
Closing costs + prepaids$11,354.94
Total buyer cash needed$110,681.09
Remaining funds due$110,681.09
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)$511.00
Initial HOA (3 months)$720.00
Prepaid interest, first (23 days)$448.94
Fees + prepaids$11,354.94
Your down payment is the seller’s equity. You take over the $245,674 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $110,681.09 is due at closing. Uses and sources reconcile at $356,354.94 each. Not a Closing Disclosure.