Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$123,830Cash toward the purchase price.
Closing costs + prepaids$10,518Not just lender fees.
Before credits & paid funds$134,348The complete starting cash picture.
Estimated remaining funds due at closing
$134,348No 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$10,517.79
Total buyer cash needed$134,347.56
Remaining funds due$134,347.56
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)$417.50
Initial HOA (3 months)$234.99
Prepaid interest, first (9 days)$160.30
Fees + prepaids$10,517.79
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. $134,347.56 is due at closing. Uses and sources reconcile at $358,517.79 each. Not a Closing Disclosure.