Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,340Cash toward the purchase price.
Closing costs + prepaids$12,472Not just lender fees.
Before credits & paid funds$55,812The complete starting cash picture.
Estimated remaining funds due at closing
$55,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,340.20
Your down payment$43,340.20
Closing costs + prepaids$12,471.95
Total buyer cash needed$55,812.15
Remaining funds due$55,812.15
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)$1,346.50
Prepaid interest, first (27 days)$1,450.45
Fees + prepaids$12,471.95
Your down payment is the seller’s equity. You take over the $301,660 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $55,812.15 is due at closing. Uses and sources reconcile at $357,471.95 each. Not a Closing Disclosure.