Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$191,939Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$202,553The complete starting cash picture.
Estimated remaining funds due at closing
$202,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,938.56
Your down payment$191,938.56
Closing costs + prepaids$10,614.56
Total buyer cash needed$202,553.11
Remaining funds due$202,553.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,480.00
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)$285.25
Initial HOA (3 months)$390.00
Prepaid interest, first (20 days)$234.31
Fees + prepaids$10,614.56
Your down payment is the seller’s equity. You take over the $156,061 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $202,553.11 is due at closing. Uses and sources reconcile at $358,614.56 each. Not a Closing Disclosure.