Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$123,830Cash toward the purchase price.
Closing costs + prepaids$10,817Not just lender fees.
Before credits & paid funds$134,647The complete starting cash picture.
Estimated remaining funds due at closing
$134,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,829.77
Your down payment$123,829.77
Closing costs + prepaids$10,816.89
Total buyer cash needed$134,646.67
Remaining funds due$134,646.67
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)$538.50
Initial HOA (3 months)$234.99
Prepaid interest, first (19 days)$338.40
Fees + prepaids$10,816.89
Your down payment is the seller’s equity. You take over the $224,170 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $134,646.67 is due at closing. Uses and sources reconcile at $358,816.89 each. Not a Closing Disclosure.