Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,161Cash toward the purchase price.
Closing costs + prepaids$9,909Not just lender fees.
Before credits & paid funds$63,071The complete starting cash picture.
Estimated remaining funds due at closing
$63,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,161.45
Your down payment$53,161.45
Closing costs + prepaids$9,909.25
Total buyer cash needed$63,070.70
Remaining funds due$63,070.70
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)$204.75
Prepaid interest, first (1 days)$29.50
Fees + prepaids$9,909.25
Your down payment is the seller’s equity. You take over the $291,839 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $63,070.70 is due at closing. Uses and sources reconcile at $354,909.25 each. Not a Closing Disclosure.