Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$15,709Cash toward the purchase price.
Closing costs + prepaids$12,820Not just lender fees.
Before credits & paid funds$28,529The complete starting cash picture.
Estimated remaining funds due at closing
$28,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,709.14
Your down payment$15,709.14
Closing costs + prepaids$12,820.29
Total buyer cash needed$28,529.42
Remaining funds due$28,529.42
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)$1,172.25
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,748.04
Fees + prepaids$12,820.29
Your down payment is the seller’s equity. You take over the $329,291 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $28,529.42 is due at closing. Uses and sources reconcile at $357,820.29 each. Not a Closing Disclosure.