Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,160Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$39,681The complete starting cash picture.
Estimated remaining funds due at closing
$39,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,160.04
Your down payment$28,160.04
Closing costs + prepaids$11,521.06
Total buyer cash needed$39,681.10
Remaining funds due$39,681.10
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)$525.75
Prepaid interest, first (25 days)$1,290.31
Fees + prepaids$11,521.06
Your down payment is the seller’s equity. You take over the $319,840 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $39,681.10 is due at closing. Uses and sources reconcile at $359,521.06 each. Not a Closing Disclosure.