Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$230,362Cash toward the purchase price.
Closing costs + prepaids$10,164Not just lender fees.
Before credits & paid funds$240,526The complete starting cash picture.
Estimated remaining funds due at closing
$240,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,362.03
Your down payment$230,362.03
Closing costs + prepaids$10,163.51
Total buyer cash needed$240,525.54
Remaining funds due$240,525.54
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)$212.50
Prepaid interest, first (26 days)$276.01
Fees + prepaids$10,163.51
Your down payment is the seller’s equity. You take over the $114,638 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $240,525.54 is due at closing. Uses and sources reconcile at $355,163.51 each. Not a Closing Disclosure.