Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$59,825Cash toward the purchase price.
Closing costs + prepaids$10,407Not just lender fees.
Before credits & paid funds$70,232The complete starting cash picture.
Estimated remaining funds due at closing
$70,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,825.11
Your down payment$59,825.11
Closing costs + prepaids$10,406.56
Total buyer cash needed$70,231.67
Remaining funds due$70,231.67
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)$439.50
Initial HOA (3 months)$239.01
Prepaid interest, first (1 days)$53.05
Fees + prepaids$10,406.56
Your down payment is the seller’s equity. You take over the $285,175 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $70,231.67 is due at closing. Uses and sources reconcile at $355,406.56 each. Not a Closing Disclosure.