Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,154Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$44,955The complete starting cash picture.
Estimated remaining funds due at closing
$44,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,154.28
Your down payment$34,154.28
Closing costs + prepaids$10,800.41
Total buyer cash needed$44,954.69
Remaining funds due$44,954.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,459.00
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)$283.25
Initial HOA (3 months)$13.74
Prepaid interest, first (26 days)$819.42
Fees + prepaids$10,800.41
Your down payment is the seller’s equity. You take over the $311,746 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $44,954.69 is due at closing. Uses and sources reconcile at $356,700.41 each. Not a Closing Disclosure.