Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,258Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$23,858The complete starting cash picture.
Estimated remaining funds due at closing
$23,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,258.19
Your down payment$11,258.19
Closing costs + prepaids$12,600.28
Total buyer cash needed$23,858.47
Remaining funds due$23,858.47
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)$1,272.25
Initial HOA (3 months)$162.99
Prepaid interest, first (24 days)$1,490.04
Fees + prepaids$12,600.28
Your down payment is the seller’s equity. You take over the $333,742 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $23,858.47 is due at closing. Uses and sources reconcile at $357,600.28 each. Not a Closing Disclosure.