Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,971Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$49,773The complete starting cash picture.
Estimated remaining funds due at closing
$49,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,971.08
Your down payment$37,971.08
Closing costs + prepaids$11,801.65
Total buyer cash needed$49,772.72
Remaining funds due$49,772.72
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 (28 days)$1,184.40
Fees + prepaids$11,801.65
Your down payment is the seller’s equity. You take over the $310,029 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $49,772.72 is due at closing. Uses and sources reconcile at $359,801.65 each. Not a Closing Disclosure.