Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$88,461Cash toward the purchase price.
Closing costs + prepaids$11,034Not just lender fees.
Before credits & paid funds$99,495The complete starting cash picture.
Estimated remaining funds due at closing
$99,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,460.57
Your down payment$88,460.57
Closing costs + prepaids$11,034.39
Total buyer cash needed$99,494.96
Remaining funds due$99,494.96
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)$288.25
Prepaid interest, first (24 days)$1,071.14
Fees + prepaids$11,034.39
Your down payment is the seller’s equity. You take over the $256,539 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $99,494.96 is due at closing. Uses and sources reconcile at $356,034.39 each. Not a Closing Disclosure.