Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,255Cash toward the purchase price.
Closing costs + prepaids$13,510Not just lender fees.
Before credits & paid funds$50,765The complete starting cash picture.
Estimated remaining funds due at closing
$50,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,255.39
Your down payment$37,255.39
Closing costs + prepaids$13,509.91
Total buyer cash needed$50,765.30
Remaining funds due$50,765.30
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)$1,887.25
Initial HOA (3 months)$219.99
Prepaid interest, first (31 days)$1,727.67
Fees + prepaids$13,509.91
Your down payment is the seller’s equity. You take over the $307,745 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $50,765.30 is due at closing. Uses and sources reconcile at $358,509.91 each. Not a Closing Disclosure.