Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$231,403Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$242,426The complete starting cash picture.
Estimated remaining funds due at closing
$242,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,403.15
Your down payment$231,403.15
Closing costs + prepaids$11,022.53
Total buyer cash needed$242,425.68
Remaining funds due$242,425.68
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)$861.50
Initial HOA (3 months)$125.01
Prepaid interest, first (29 days)$361.02
Fees + prepaids$11,022.53
Your down payment is the seller’s equity. You take over the $113,597 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $242,425.68 is due at closing. Uses and sources reconcile at $356,022.53 each. Not a Closing Disclosure.