Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$237,277Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$248,618The complete starting cash picture.
Estimated remaining funds due at closing
$248,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,276.52
Your down payment$237,276.52
Closing costs + prepaids$11,341.19
Total buyer cash needed$248,617.71
Remaining funds due$248,617.71
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)$364.75
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$341.44
Fees + prepaids$11,341.19
Your down payment is the seller’s equity. You take over the $107,723 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $248,617.71 is due at closing. Uses and sources reconcile at $356,341.19 each. Not a Closing Disclosure.