Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$140,650Cash toward the purchase price.
Closing costs + prepaids$10,616Not just lender fees.
Before credits & paid funds$151,266The complete starting cash picture.
Estimated remaining funds due at closing
$151,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,649.82
Your down payment$140,649.82
Closing costs + prepaids$10,615.73
Total buyer cash needed$151,265.54
Remaining funds due$151,265.54
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 (14 days)$509.48
Fees + prepaids$10,615.73
Your down payment is the seller’s equity. You take over the $204,350 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $151,265.54 is due at closing. Uses and sources reconcile at $355,615.73 each. Not a Closing Disclosure.