Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$51,127Cash toward the purchase price.
Closing costs + prepaids$10,367Not just lender fees.
Before credits & paid funds$61,493The complete starting cash picture.
Estimated remaining funds due at closing
$61,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,126.57
Your down payment$51,126.57
Closing costs + prepaids$10,366.77
Total buyer cash needed$61,493.34
Remaining funds due$61,493.34
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 (6 days)$277.77
Fees + prepaids$10,366.77
Your down payment is the seller’s equity. You take over the $293,873 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $61,493.34 is due at closing. Uses and sources reconcile at $355,366.77 each. Not a Closing Disclosure.