Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,959Cash toward the purchase price.
Closing costs + prepaids$11,185Not just lender fees.
Before credits & paid funds$76,144The complete starting cash picture.
Estimated remaining funds due at closing
$76,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,958.66
Your down payment$64,958.66
Closing costs + prepaids$11,185.41
Total buyer cash needed$76,144.08
Remaining funds due$76,144.08
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)$427.00
Prepaid interest, first (27 days)$1,083.41
Fees + prepaids$11,185.41
Your down payment is the seller’s equity. You take over the $280,041 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $76,144.08 is due at closing. Uses and sources reconcile at $356,185.41 each. Not a Closing Disclosure.