Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,072Cash toward the purchase price.
Closing costs + prepaids$11,781Not just lender fees.
Before credits & paid funds$56,854The complete starting cash picture.
Estimated remaining funds due at closing
$56,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,072.20
Your down payment$45,072.20
Closing costs + prepaids$11,781.40
Total buyer cash needed$56,853.60
Remaining funds due$56,853.60
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)$1,971.75
Initial HOA (3 months)$81.24
Prepaid interest, first (1 days)$53.41
Fees + prepaids$11,781.40
Your down payment is the seller’s equity. You take over the $299,928 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $56,853.60 is due at closing. Uses and sources reconcile at $356,781.40 each. Not a Closing Disclosure.