Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$245,927Cash toward the purchase price.
Closing costs + prepaids$10,350Not just lender fees.
Before credits & paid funds$256,277The complete starting cash picture.
Estimated remaining funds due at closing
$256,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,927.23
Your down payment$245,927.23
Closing costs + prepaids$10,349.65
Total buyer cash needed$256,276.87
Remaining funds due$256,276.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,459.00
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)$170.00
Prepaid interest, first (26 days)$495.65
Fees + prepaids$10,349.65
Your down payment is the seller’s equity. You take over the $99,973 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $256,276.87 is due at closing. Uses and sources reconcile at $356,249.65 each. Not a Closing Disclosure.