Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$34,581Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$45,521The complete starting cash picture.
Estimated remaining funds due at closing
$45,521No 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$10,940.62
Total buyer cash needed$45,521.43
Remaining funds due$45,521.43
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)$425.00
Prepaid interest, first (17 days)$891.62
Fees + prepaids$10,940.62
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. $45,521.43 is due at closing. Uses and sources reconcile at $350,840.62 each. Not a Closing Disclosure.