Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,723Cash toward the purchase price.
Closing costs + prepaids$10,893Not just lender fees.
Before credits & paid funds$156,616The complete starting cash picture.
Estimated remaining funds due at closing
$156,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,723.32
Your down payment$145,723.32
Closing costs + prepaids$10,893.01
Total buyer cash needed$156,616.33
Remaining funds due$156,616.33
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)$846.75
Prepaid interest, first (25 days)$371.26
Fees + prepaids$10,893.01
Your down payment is the seller’s equity. You take over the $199,277 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $156,616.33 is due at closing. Uses and sources reconcile at $355,893.01 each. Not a Closing Disclosure.