Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,683Cash toward the purchase price.
Closing costs + prepaids$12,886Not just lender fees.
Before credits & paid funds$42,569The complete starting cash picture.
Estimated remaining funds due at closing
$42,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,682.96
Your down payment$29,682.96
Closing costs + prepaids$12,885.70
Total buyer cash needed$42,568.67
Remaining funds due$42,568.67
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)$1,774.50
Prepaid interest, first (25 days)$1,436.20
Fees + prepaids$12,885.70
Your down payment is the seller’s equity. You take over the $315,317 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $42,568.67 is due at closing. Uses and sources reconcile at $357,885.70 each. Not a Closing Disclosure.