Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,356Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$45,613The complete starting cash picture.
Estimated remaining funds due at closing
$45,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,356.46
Your down payment$34,356.46
Closing costs + prepaids$11,256.83
Total buyer cash needed$45,613.29
Remaining funds due$45,613.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$847.50
Prepaid interest, first (31 days)$794.33
Fees + prepaids$11,256.83
Your down payment is the seller’s equity. You take over the $304,644 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $45,613.29 is due at closing. Uses and sources reconcile at $350,256.83 each. Not a Closing Disclosure.