Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$165,916Cash toward the purchase price.
Closing costs + prepaids$10,576Not just lender fees.
Before credits & paid funds$176,492The complete starting cash picture.
Estimated remaining funds due at closing
$176,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,916.29
Your down payment$165,916.29
Closing costs + prepaids$10,576.13
Total buyer cash needed$176,492.42
Remaining funds due$176,492.42
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)$314.25
Initial HOA (3 months)$261.00
Prepaid interest, first (18 days)$325.88
Fees + prepaids$10,576.13
Your down payment is the seller’s equity. You take over the $179,084 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $176,492.42 is due at closing. Uses and sources reconcile at $355,576.13 each. Not a Closing Disclosure.