Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$17,362Cash toward the purchase price.
Closing costs + prepaids$11,634Not just lender fees.
Before credits & paid funds$28,996The complete starting cash picture.
Estimated remaining funds due at closing
$28,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,361.75
Your down payment$17,361.75
Closing costs + prepaids$11,633.86
Total buyer cash needed$28,995.60
Remaining funds due$28,995.60
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)$472.50
Initial HOA (3 months)$417.00
Prepaid interest, first (19 days)$1,069.36
Fees + prepaids$11,633.86
Your down payment is the seller’s equity. You take over the $327,638 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $28,995.60 is due at closing. Uses and sources reconcile at $356,633.86 each. Not a Closing Disclosure.