Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,653Cash toward the purchase price.
Closing costs + prepaids$11,429Not just lender fees.
Before credits & paid funds$50,082The complete starting cash picture.
Estimated remaining funds due at closing
$50,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,652.82
Your down payment$38,652.82
Closing costs + prepaids$11,429.24
Total buyer cash needed$50,082.07
Remaining funds due$50,082.07
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)$350.50
Prepaid interest, first (25 days)$1,403.74
Fees + prepaids$11,429.24
Your down payment is the seller’s equity. You take over the $306,347 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $50,082.07 is due at closing. Uses and sources reconcile at $356,429.24 each. Not a Closing Disclosure.