Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,207Cash toward the purchase price.
Closing costs + prepaids$11,630Not just lender fees.
Before credits & paid funds$173,837The complete starting cash picture.
Estimated remaining funds due at closing
$173,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,207.33
Your down payment$162,207.33
Closing costs + prepaids$11,629.55
Total buyer cash needed$173,836.88
Remaining funds due$173,836.88
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)$1,513.50
Initial HOA (3 months)$65.25
Prepaid interest, first (28 days)$375.80
Fees + prepaids$11,629.55
Your down payment is the seller’s equity. You take over the $182,793 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $173,836.88 is due at closing. Uses and sources reconcile at $356,629.55 each. Not a Closing Disclosure.