Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,276Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$192,842The complete starting cash picture.
Estimated remaining funds due at closing
$192,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,276.00
Your down payment$182,276.00
Closing costs + prepaids$10,566.36
Total buyer cash needed$192,842.36
Remaining funds due$192,842.36
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)$423.25
Prepaid interest, first (28 days)$468.11
Fees + prepaids$10,566.36
Your down payment is the seller’s equity. You take over the $162,724 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $192,842.36 is due at closing. Uses and sources reconcile at $355,566.36 each. Not a Closing Disclosure.