Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,794Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$42,628The complete starting cash picture.
Estimated remaining funds due at closing
$42,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,794.14
Your down payment$31,794.14
Closing costs + prepaids$10,834.03
Total buyer cash needed$42,628.17
Remaining funds due$42,628.17
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)$414.00
Initial HOA (3 months)$207.00
Prepaid interest, first (10 days)$538.03
Fees + prepaids$10,834.03
Your down payment is the seller’s equity. You take over the $313,206 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $42,628.17 is due at closing. Uses and sources reconcile at $355,834.03 each. Not a Closing Disclosure.