Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,479Cash toward the purchase price.
Closing costs + prepaids$9,942Not just lender fees.
Before credits & paid funds$71,421The complete starting cash picture.
Estimated remaining funds due at closing
$71,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,478.82
Your down payment$61,478.82
Closing costs + prepaids$9,942.13
Total buyer cash needed$71,420.95
Remaining funds due$71,420.95
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)$243.75
Prepaid interest, first (1 days)$23.38
Fees + prepaids$9,942.13
Your down payment is the seller’s equity. You take over the $283,521 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $71,420.95 is due at closing. Uses and sources reconcile at $354,942.13 each. Not a Closing Disclosure.