Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,472Cash toward the purchase price.
Closing costs + prepaids$10,702Not just lender fees.
Before credits & paid funds$48,174The complete starting cash picture.
Estimated remaining funds due at closing
$48,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,471.72
Your down payment$37,471.72
Closing costs + prepaids$10,701.99
Total buyer cash needed$48,173.70
Remaining funds due$48,173.70
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)$117.25
Initial HOA (3 months)$795.00
Prepaid interest, first (2 days)$84.74
Fees + prepaids$10,701.99
Your down payment is the seller’s equity. You take over the $310,528 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $48,173.70 is due at closing. Uses and sources reconcile at $358,701.99 each. Not a Closing Disclosure.