Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$93,666Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$104,960The complete starting cash picture.
Estimated remaining funds due at closing
$104,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,665.91
Your down payment$93,665.91
Closing costs + prepaids$11,294.52
Total buyer cash needed$104,960.43
Remaining funds due$104,960.43
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)$414.00
Initial HOA (3 months)$1,032.00
Prepaid interest, first (6 days)$173.52
Fees + prepaids$11,294.52
Your down payment is the seller’s equity. You take over the $251,334 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $104,960.43 is due at closing. Uses and sources reconcile at $356,294.52 each. Not a Closing Disclosure.