Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,665Cash toward the purchase price.
Closing costs + prepaids$11,740Not just lender fees.
Before credits & paid funds$43,405The complete starting cash picture.
Estimated remaining funds due at closing
$43,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,664.73
Your down payment$31,664.73
Closing costs + prepaids$11,740.10
Total buyer cash needed$43,404.83
Remaining funds due$43,404.83
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)$484.75
Prepaid interest, first (27 days)$1,571.35
Fees + prepaids$11,740.10
Your down payment is the seller’s equity. You take over the $314,235 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $43,404.83 is due at closing. Uses and sources reconcile at $357,640.10 each. Not a Closing Disclosure.