Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$152,396Cash toward the purchase price.
Closing costs + prepaids$11,874Not just lender fees.
Before credits & paid funds$164,270The complete starting cash picture.
Estimated remaining funds due at closing
$164,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,395.85
Your down payment$152,395.85
Closing costs + prepaids$11,874.08
Total buyer cash needed$164,269.93
Remaining funds due$164,269.93
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)$1,605.25
Initial HOA (3 months)$51.00
Prepaid interest, first (27 days)$542.83
Fees + prepaids$11,874.08
Your down payment is the seller’s equity. You take over the $192,604 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $164,269.93 is due at closing. Uses and sources reconcile at $356,874.08 each. Not a Closing Disclosure.