Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$44,520Cash toward the purchase price.
Closing costs + prepaids$10,892Not just lender fees.
Before credits & paid funds$55,412The complete starting cash picture.
Estimated remaining funds due at closing
$55,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,519.83
Your down payment$44,519.83
Closing costs + prepaids$10,892.22
Total buyer cash needed$55,412.06
Remaining funds due$55,412.06
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)$312.00
Prepaid interest, first (9 days)$491.22
Fees + prepaids$10,892.22
Your down payment is the seller’s equity. You take over the $300,480 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $55,412.06 is due at closing. Uses and sources reconcile at $355,892.22 each. Not a Closing Disclosure.