Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$298,190Cash toward the purchase price.
Closing costs + prepaids$10,188Not just lender fees.
Before credits & paid funds$308,378The complete starting cash picture.
Estimated remaining funds due at closing
$308,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,189.97
Your down payment$298,189.97
Closing costs + prepaids$10,187.96
Total buyer cash needed$308,377.93
Remaining funds due$308,377.93
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)$292.50
Prepaid interest, first (30 days)$220.46
Fees + prepaids$10,187.96
Your down payment is the seller’s equity. You take over the $46,810 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $308,377.93 is due at closing. Uses and sources reconcile at $355,187.96 each. Not a Closing Disclosure.