Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$186,022Cash toward the purchase price.
Closing costs + prepaids$11,559Not just lender fees.
Before credits & paid funds$197,581The complete starting cash picture.
Estimated remaining funds due at closing
$197,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,022.03
Your down payment$186,022.03
Closing costs + prepaids$11,558.90
Total buyer cash needed$197,580.93
Remaining funds due$197,580.93
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)$1,021.50
Prepaid interest, first (30 days)$862.40
Fees + prepaids$11,558.90
Your down payment is the seller’s equity. You take over the $158,978 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $197,580.93 is due at closing. Uses and sources reconcile at $356,558.90 each. Not a Closing Disclosure.