Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,020Cash toward the purchase price.
Closing costs + prepaids$11,966Not just lender fees.
Before credits & paid funds$48,986The complete starting cash picture.
Estimated remaining funds due at closing
$48,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,020.42
Your down payment$37,020.42
Closing costs + prepaids$11,965.93
Total buyer cash needed$48,986.36
Remaining funds due$48,986.36
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)$862.50
Prepaid interest, first (27 days)$1,428.43
Fees + prepaids$11,965.93
Your down payment is the seller’s equity. You take over the $307,980 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $48,986.36 is due at closing. Uses and sources reconcile at $356,965.93 each. Not a Closing Disclosure.