Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$9,929Cash toward the purchase price.
Closing costs + prepaids$10,419Not just lender fees.
Before credits & paid funds$20,349The complete starting cash picture.
Estimated remaining funds due at closing
$20,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,929.13
Your down payment$9,929.13
Closing costs + prepaids$10,419.48
Total buyer cash needed$20,348.61
Remaining funds due$20,348.61
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 (12 days)$330.48
Fees + prepaids$10,419.48
Your down payment is the seller’s equity. You take over the $335,071 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $20,348.61 is due at closing. Uses and sources reconcile at $355,419.48 each. Not a Closing Disclosure.