Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$102,400Cash toward the purchase price.
Closing costs + prepaids$11,233Not just lender fees.
Before credits & paid funds$113,633The complete starting cash picture.
Estimated remaining funds due at closing
$113,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,400.05
Your down payment$102,400.05
Closing costs + prepaids$11,232.82
Total buyer cash needed$113,632.87
Remaining funds due$113,632.87
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)$1,017.00
Prepaid interest, first (6 days)$126.82
Fees + prepaids$11,232.82
Your down payment is the seller’s equity. You take over the $242,600 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $113,632.87 is due at closing. Uses and sources reconcile at $356,232.82 each. Not a Closing Disclosure.