Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,922Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$138,477The complete starting cash picture.
Estimated remaining funds due at closing
$138,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,921.91
Your down payment$127,921.91
Closing costs + prepaids$10,555.25
Total buyer cash needed$138,477.16
Remaining funds due$138,477.16
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)$421.00
Prepaid interest, first (27 days)$459.25
Fees + prepaids$10,555.25
Your down payment is the seller’s equity. You take over the $217,078 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $138,477.16 is due at closing. Uses and sources reconcile at $355,555.25 each. Not a Closing Disclosure.