Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$168,779Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$179,838The complete starting cash picture.
Estimated remaining funds due at closing
$179,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,779.19
Your down payment$168,779.19
Closing costs + prepaids$11,059.10
Total buyer cash needed$179,838.29
Remaining funds due$179,838.29
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)$723.25
Prepaid interest, first (29 days)$660.85
Fees + prepaids$11,059.10
Your down payment is the seller’s equity. You take over the $176,221 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $179,838.29 is due at closing. Uses and sources reconcile at $356,059.10 each. Not a Closing Disclosure.