Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$26,996Cash toward the purchase price.
Closing costs + prepaids$12,379Not just lender fees.
Before credits & paid funds$39,375The complete starting cash picture.
Estimated remaining funds due at closing
$39,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,996.45
Your down payment$26,996.45
Closing costs + prepaids$12,378.61
Total buyer cash needed$39,375.07
Remaining funds due$39,375.07
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)$246.50
Initial HOA (3 months)$1,449.00
Prepaid interest, first (21 days)$1,008.11
Fees + prepaids$12,378.61
Your down payment is the seller’s equity. You take over the $318,004 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $39,375.07 is due at closing. Uses and sources reconcile at $357,378.61 each. Not a Closing Disclosure.