Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$219,348Cash toward the purchase price.
Closing costs + prepaids$11,348Not just lender fees.
Before credits & paid funds$230,696The complete starting cash picture.
Estimated remaining funds due at closing
$230,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,348.45
Your down payment$219,348.45
Closing costs + prepaids$11,348.02
Total buyer cash needed$230,696.46
Remaining funds due$230,696.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,459.00
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)$1,295.75
Initial HOA (3 months)$43.74
Prepaid interest, first (24 days)$324.53
Fees + prepaids$11,348.02
Your down payment is the seller’s equity. You take over the $126,552 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $230,696.46 is due at closing. Uses and sources reconcile at $357,248.02 each. Not a Closing Disclosure.