Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,542Cash toward the purchase price.
Closing costs + prepaids$11,770Not just lender fees.
Before credits & paid funds$35,312The complete starting cash picture.
Estimated remaining funds due at closing
$35,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,541.94
Your down payment$23,541.94
Closing costs + prepaids$11,770.05
Total buyer cash needed$35,311.99
Remaining funds due$35,311.99
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)$536.75
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$1,288.30
Fees + prepaids$11,770.05
Your down payment is the seller’s equity. You take over the $321,458 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $35,311.99 is due at closing. Uses and sources reconcile at $356,770.05 each. Not a Closing Disclosure.