Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,327Cash toward the purchase price.
Closing costs + prepaids$11,400Not just lender fees.
Before credits & paid funds$140,727The complete starting cash picture.
Estimated remaining funds due at closing
$140,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,327.05
Your down payment$129,327.05
Closing costs + prepaids$11,399.86
Total buyer cash needed$140,726.91
Remaining funds due$140,726.91
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)$1,143.25
Initial HOA (3 months)$564.00
Prepaid interest, first (1 days)$17.61
Fees + prepaids$11,399.86
Your down payment is the seller’s equity. You take over the $215,673 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $140,726.91 is due at closing. Uses and sources reconcile at $356,399.86 each. Not a Closing Disclosure.