Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$34,615Cash toward the purchase price.
Closing costs + prepaids$12,143Not just lender fees.
Before credits & paid funds$46,757The complete starting cash picture.
Estimated remaining funds due at closing
$46,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,614.65
Your down payment$34,614.65
Closing costs + prepaids$12,142.53
Total buyer cash needed$46,757.18
Remaining funds due$46,757.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$849.75
Prepaid interest, first (29 days)$1,668.78
Fees + prepaids$12,142.53
Your down payment is the seller’s equity. You take over the $305,285 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $46,757.18 is due at closing. Uses and sources reconcile at $352,042.53 each. Not a Closing Disclosure.