Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,660Cash toward the purchase price.
Closing costs + prepaids$11,531Not just lender fees.
Before credits & paid funds$46,191The complete starting cash picture.
Estimated remaining funds due at closing
$46,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,659.54
Your down payment$34,659.54
Closing costs + prepaids$11,531.15
Total buyer cash needed$46,190.69
Remaining funds due$46,190.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$333.50
Prepaid interest, first (27 days)$1,582.65
Fees + prepaids$11,531.15
Your down payment is the seller’s equity. You take over the $304,340 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $46,190.69 is due at closing. Uses and sources reconcile at $350,531.15 each. Not a Closing Disclosure.