Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$23,366Cash toward the purchase price.
Closing costs + prepaids$11,040Not just lender fees.
Before credits & paid funds$34,407The complete starting cash picture.
Estimated remaining funds due at closing
$34,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,366.27
Your down payment$23,366.27
Closing costs + prepaids$11,040.41
Total buyer cash needed$34,406.68
Remaining funds due$34,406.68
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)$431.25
Initial HOA (3 months)$75.00
Prepaid interest, first (15 days)$859.16
Fees + prepaids$11,040.41
Your down payment is the seller’s equity. You take over the $321,634 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $34,406.68 is due at closing. Uses and sources reconcile at $356,040.41 each. Not a Closing Disclosure.