Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$145,068Cash toward the purchase price.
Closing costs + prepaids$10,709Not just lender fees.
Before credits & paid funds$155,777The complete starting cash picture.
Estimated remaining funds due at closing
$155,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,067.80
Your down payment$145,067.80
Closing costs + prepaids$10,708.88
Total buyer cash needed$155,776.68
Remaining funds due$155,776.68
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)$497.75
Initial HOA (3 months)$225.00
Prepaid interest, first (20 days)$311.13
Fees + prepaids$10,708.88
Your down payment is the seller’s equity. You take over the $199,932 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $155,776.68 is due at closing. Uses and sources reconcile at $355,708.88 each. Not a Closing Disclosure.