Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$4,211Cash toward the purchase price.
Closing costs + prepaids$10,629Not just lender fees.
Before credits & paid funds$14,840The complete starting cash picture.
Estimated remaining funds due at closing
$14,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,211.46
Your down payment$4,211.46
Closing costs + prepaids$10,628.66
Total buyer cash needed$14,840.12
Remaining funds due$14,840.12
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
Prepaid interest, first (10 days)$539.66
Fees + prepaids$10,628.66
Your down payment is the seller’s equity. You take over the $340,789 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $14,840.12 is due at closing. Uses and sources reconcile at $355,628.66 each. Not a Closing Disclosure.