Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$78,011Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$88,898The complete starting cash picture.
Estimated remaining funds due at closing
$88,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,011.30
Your down payment$78,011.30
Closing costs + prepaids$10,886.88
Total buyer cash needed$88,898.18
Remaining funds due$88,898.18
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)$431.25
Prepaid interest, first (16 days)$780.63
Fees + prepaids$10,886.88
Your down payment is the seller’s equity. You take over the $266,989 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $88,898.18 is due at closing. Uses and sources reconcile at $355,886.88 each. Not a Closing Disclosure.