Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$106,324Cash toward the purchase price.
Closing costs + prepaids$10,479Not just lender fees.
Before credits & paid funds$116,803The complete starting cash picture.
Estimated remaining funds due at closing
$116,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,324.10
Your down payment$106,324.10
Closing costs + prepaids$10,478.82
Total buyer cash needed$116,802.92
Remaining funds due$116,802.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,459.00
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)$432.50
Prepaid interest, first (16 days)$362.32
Fees + prepaids$10,478.82
Your down payment is the seller’s equity. You take over the $239,576 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $116,802.92 is due at closing. Uses and sources reconcile at $356,378.82 each. Not a Closing Disclosure.