Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,733Cash toward the purchase price.
Closing costs + prepaids$10,110Not just lender fees.
Before credits & paid funds$13,842The complete starting cash picture.
Estimated remaining funds due at closing
$13,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,732.96
Your down payment$3,732.96
Closing costs + prepaids$10,109.54
Total buyer cash needed$13,842.50
Remaining funds due$13,842.50
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)$380.50
Prepaid interest, first (1 days)$54.04
Fees + prepaids$10,109.54
Your down payment is the seller’s equity. You take over the $341,267 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $13,842.50 is due at closing. Uses and sources reconcile at $355,109.54 each. Not a Closing Disclosure.