Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,944Cash toward the purchase price.
Closing costs + prepaids$11,892Not just lender fees.
Before credits & paid funds$96,836The complete starting cash picture.
Estimated remaining funds due at closing
$96,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,943.99
Your down payment$84,943.99
Closing costs + prepaids$11,892.42
Total buyer cash needed$96,836.41
Remaining funds due$96,836.41
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)$336.75
Initial HOA (3 months)$1,836.00
Prepaid interest, first (1 days)$44.67
Fees + prepaids$11,892.42
Your down payment is the seller’s equity. You take over the $260,056 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $96,836.41 is due at closing. Uses and sources reconcile at $356,892.42 each. Not a Closing Disclosure.