Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$60,120Cash toward the purchase price.
Closing costs + prepaids$11,413Not just lender fees.
Before credits & paid funds$71,533The complete starting cash picture.
Estimated remaining funds due at closing
$71,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,119.94
Your down payment$60,119.94
Closing costs + prepaids$11,413.42
Total buyer cash needed$71,533.36
Remaining funds due$71,533.36
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)$439.50
Initial HOA (3 months)$239.01
Prepaid interest, first (20 days)$1,059.91
Fees + prepaids$11,413.42
Your down payment is the seller’s equity. You take over the $284,880 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $71,533.36 is due at closing. Uses and sources reconcile at $356,413.42 each. Not a Closing Disclosure.