Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$191,565Cash toward the purchase price.
Closing costs + prepaids$10,392Not just lender fees.
Before credits & paid funds$201,957The complete starting cash picture.
Estimated remaining funds due at closing
$201,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,564.64
Your down payment$191,564.64
Closing costs + prepaids$10,391.99
Total buyer cash needed$201,956.63
Remaining funds due$201,956.63
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 (1 days)$11.74
Fees + prepaids$10,391.99
Your down payment is the seller’s equity. You take over the $156,435 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $201,956.63 is due at closing. Uses and sources reconcile at $358,391.99 each. Not a Closing Disclosure.