Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$331,738Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$341,874The complete starting cash picture.
Estimated remaining funds due at closing
$341,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,737.92
Your down payment$331,737.92
Closing costs + prepaids$10,136.38
Total buyer cash needed$341,874.30
Remaining funds due$341,874.30
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)$432.00
Prepaid interest, first (26 days)$29.38
Fees + prepaids$10,136.38
Your down payment is the seller’s equity. You take over the $13,262 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $341,874.30 is due at closing. Uses and sources reconcile at $355,136.38 each. Not a Closing Disclosure.