Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,570Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$198,706The complete starting cash picture.
Estimated remaining funds due at closing
$198,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,570.22
Your down payment$188,570.22
Closing costs + prepaids$10,136.07
Total buyer cash needed$198,706.29
Remaining funds due$198,706.29
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)$119.75
Prepaid interest, first (22 days)$341.32
Fees + prepaids$10,136.07
Your down payment is the seller’s equity. You take over the $156,430 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $198,706.29 is due at closing. Uses and sources reconcile at $355,136.07 each. Not a Closing Disclosure.