Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,581Cash toward the purchase price.
Closing costs + prepaids$11,176Not just lender fees.
Before credits & paid funds$45,756The complete starting cash picture.
Estimated remaining funds due at closing
$45,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,580.82
Your down payment$34,580.82
Closing costs + prepaids$11,175.65
Total buyer cash needed$45,756.46
Remaining funds due$45,756.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$188.00
Prepaid interest, first (26 days)$1,363.65
Fees + prepaids$11,175.65
Your down payment is the seller’s equity. You take over the $305,319 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $45,756.46 is due at closing. Uses and sources reconcile at $351,075.65 each. Not a Closing Disclosure.