Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,628Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$32,924The complete starting cash picture.
Estimated remaining funds due at closing
$32,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,627.93
Your down payment$21,627.93
Closing costs + prepaids$11,295.72
Total buyer cash needed$32,923.64
Remaining funds due$32,923.64
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)$416.00
Prepaid interest, first (26 days)$1,204.72
Fees + prepaids$11,295.72
Your down payment is the seller’s equity. You take over the $323,372 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $32,923.64 is due at closing. Uses and sources reconcile at $356,295.72 each. Not a Closing Disclosure.