Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$160,423Cash toward the purchase price.
Closing costs + prepaids$11,097Not just lender fees.
Before credits & paid funds$171,519The complete starting cash picture.
Estimated remaining funds due at closing
$171,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,422.57
Your down payment$160,422.57
Closing costs + prepaids$11,096.89
Total buyer cash needed$171,519.46
Remaining funds due$171,519.46
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)$774.75
Initial HOA (3 months)$123.75
Prepaid interest, first (30 days)$523.39
Fees + prepaids$11,096.89
Your down payment is the seller’s equity. You take over the $184,577 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $171,519.46 is due at closing. Uses and sources reconcile at $356,096.89 each. Not a Closing Disclosure.