Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$96,911Cash toward the purchase price.
Closing costs + prepaids$11,148Not just lender fees.
Before credits & paid funds$108,059The complete starting cash picture.
Estimated remaining funds due at closing
$108,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,910.60
Your down payment$96,910.60
Closing costs + prepaids$11,148.32
Total buyer cash needed$108,058.92
Remaining funds due$108,058.92
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)$185.00
Initial HOA (3 months)$270.00
Prepaid interest, first (22 days)$1,018.32
Fees + prepaids$11,148.32
Your down payment is the seller’s equity. You take over the $248,089 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $108,058.92 is due at closing. Uses and sources reconcile at $356,148.32 each. Not a Closing Disclosure.