Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$63,357Cash toward the purchase price.
Closing costs + prepaids$12,987Not just lender fees.
Before credits & paid funds$76,344The complete starting cash picture.
Estimated remaining funds due at closing
$76,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,357.24
Your down payment$63,357.24
Closing costs + prepaids$12,987.15
Total buyer cash needed$76,344.39
Remaining funds due$76,344.39
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)$2,760.25
Initial HOA (3 months)$138.00
Prepaid interest, first (18 days)$413.90
Fees + prepaids$12,987.15
Your down payment is the seller’s equity. You take over the $281,643 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $76,344.39 is due at closing. Uses and sources reconcile at $357,987.15 each. Not a Closing Disclosure.