Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$291,246Cash toward the purchase price.
Closing costs + prepaids$10,047Not just lender fees.
Before credits & paid funds$301,293The complete starting cash picture.
Estimated remaining funds due at closing
$301,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,246.12
Your down payment$291,246.12
Closing costs + prepaids$10,047.30
Total buyer cash needed$301,293.42
Remaining funds due$301,293.42
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)$171.75
Prepaid interest, first (22 days)$200.55
Fees + prepaids$10,047.30
Your down payment is the seller’s equity. You take over the $53,754 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $301,293.42 is due at closing. Uses and sources reconcile at $355,047.30 each. Not a Closing Disclosure.