Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,721Cash toward the purchase price.
Closing costs + prepaids$10,668Not just lender fees.
Before credits & paid funds$46,389The complete starting cash picture.
Estimated remaining funds due at closing
$46,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,721.10
Your down payment$35,721.10
Closing costs + prepaids$10,668.15
Total buyer cash needed$46,389.25
Remaining funds due$46,389.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,459.99
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)$865.00
Prepaid interest, first (2 days)$118.16
Fees + prepaids$10,668.15
Your down payment is the seller’s equity. You take over the $310,278 balance, so the rest of the $345,999 price is paid at closing. A second mortgage can cover part of it. $46,389.25 is due at closing. Uses and sources reconcile at $356,667.15 each. Not a Closing Disclosure.