Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$152,862Cash toward the purchase price.
Closing costs + prepaids$10,642Not just lender fees.
Before credits & paid funds$163,505The complete starting cash picture.
Estimated remaining funds due at closing
$163,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,862.18
Your down payment$152,862.18
Closing costs + prepaids$10,642.34
Total buyer cash needed$163,504.52
Remaining funds due$163,504.52
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
Initial HOA (3 months)$315.00
Prepaid interest, first (16 days)$221.09
Fees + prepaids$10,642.34
Your down payment is the seller’s equity. You take over the $192,138 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $163,504.52 is due at closing. Uses and sources reconcile at $355,642.34 each. Not a Closing Disclosure.