Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,912Cash toward the purchase price.
Closing costs + prepaids$10,774Not just lender fees.
Before credits & paid funds$38,687The complete starting cash picture.
Estimated remaining funds due at closing
$38,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,912.15
Your down payment$27,912.15
Closing costs + prepaids$10,774.39
Total buyer cash needed$38,686.54
Remaining funds due$38,686.54
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)$985.50
Initial HOA (3 months)$54.99
Prepaid interest, first (1 days)$58.90
Fees + prepaids$10,774.39
Your down payment is the seller’s equity. You take over the $317,088 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $38,686.54 is due at closing. Uses and sources reconcile at $355,774.39 each. Not a Closing Disclosure.