Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$264,766Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$274,928The complete starting cash picture.
Estimated remaining funds due at closing
$274,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,765.85
Your down payment$264,765.85
Closing costs + prepaids$10,162.60
Total buyer cash needed$274,928.45
Remaining funds due$274,928.45
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
Prepaid interest, first (12 days)$73.60
Fees + prepaids$10,162.60
Your down payment is the seller’s equity. You take over the $80,234 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $274,928.45 is due at closing. Uses and sources reconcile at $355,162.60 each. Not a Closing Disclosure.