Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$186,850Cash toward the purchase price.
Closing costs + prepaids$11,489Not just lender fees.
Before credits & paid funds$198,338The complete starting cash picture.
Estimated remaining funds due at closing
$198,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,849.67
Your down payment$186,849.67
Closing costs + prepaids$11,488.70
Total buyer cash needed$198,338.37
Remaining funds due$198,338.37
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)$862.50
Prepaid interest, first (29 days)$951.20
Fees + prepaids$11,488.70
Your down payment is the seller’s equity. You take over the $158,150 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $198,338.37 is due at closing. Uses and sources reconcile at $356,488.70 each. Not a Closing Disclosure.