Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,595Cash toward the purchase price.
Closing costs + prepaids$12,152Not just lender fees.
Before credits & paid funds$46,746The complete starting cash picture.
Estimated remaining funds due at closing
$46,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,594.85
Your down payment$34,594.85
Closing costs + prepaids$12,151.53
Total buyer cash needed$46,746.38
Remaining funds due$46,746.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
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)$1,163.00
Prepaid interest, first (24 days)$1,363.53
Fees + prepaids$12,151.53
Your down payment is the seller’s equity. You take over the $305,405 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $46,746.38 is due at closing. Uses and sources reconcile at $352,151.53 each. Not a Closing Disclosure.