Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,628Cash toward the purchase price.
Closing costs + prepaids$11,527Not just lender fees.
Before credits & paid funds$33,155The complete starting cash picture.
Estimated remaining funds due at closing
$33,155No 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$11,527.39
Total buyer cash needed$33,155.32
Remaining funds due$33,155.32
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 (31 days)$1,436.39
Fees + prepaids$11,527.39
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. $33,155.32 is due at closing. Uses and sources reconcile at $356,527.39 each. Not a Closing Disclosure.