Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$245,522Cash toward the purchase price.
Closing costs + prepaids$10,230Not just lender fees.
Before credits & paid funds$255,751The complete starting cash picture.
Estimated remaining funds due at closing
$255,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,521.83
Your down payment$245,521.83
Closing costs + prepaids$10,229.59
Total buyer cash needed$255,751.42
Remaining funds due$255,751.42
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)$312.00
Prepaid interest, first (23 days)$242.59
Fees + prepaids$10,229.59
Your down payment is the seller’s equity. You take over the $99,478 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $255,751.42 is due at closing. Uses and sources reconcile at $355,229.59 each. Not a Closing Disclosure.