Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,255Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$47,803The complete starting cash picture.
Estimated remaining funds due at closing
$47,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,254.94
Your down payment$35,254.94
Closing costs + prepaids$12,548.54
Total buyer cash needed$47,803.48
Remaining funds due$47,803.48
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)$1,011.00
Prepaid interest, first (31 days)$1,862.54
Fees + prepaids$12,548.54
Your down payment is the seller’s equity. You take over the $309,745 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $47,803.48 is due at closing. Uses and sources reconcile at $357,548.54 each. Not a Closing Disclosure.