Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$195,222Cash toward the purchase price.
Closing costs + prepaids$11,169Not just lender fees.
Before credits & paid funds$206,391The complete starting cash picture.
Estimated remaining funds due at closing
$206,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,221.58
Your down payment$195,221.58
Closing costs + prepaids$11,169.19
Total buyer cash needed$206,390.76
Remaining funds due$206,390.76
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)$930.00
Prepaid interest, first (12 days)$150.19
Fees + prepaids$11,169.19
Your down payment is the seller’s equity. You take over the $149,778 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $206,390.76 is due at closing. Uses and sources reconcile at $356,169.19 each. Not a Closing Disclosure.