Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,180Cash toward the purchase price.
Closing costs + prepaids$10,709Not just lender fees.
Before credits & paid funds$158,889The complete starting cash picture.
Estimated remaining funds due at closing
$158,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,180.06
Your down payment$148,180.06
Closing costs + prepaids$10,708.64
Total buyer cash needed$158,888.70
Remaining funds due$158,888.70
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)$249.25
Prepaid interest, first (26 days)$754.39
Fees + prepaids$10,708.64
Your down payment is the seller’s equity. You take over the $199,820 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $158,888.70 is due at closing. Uses and sources reconcile at $358,708.64 each. Not a Closing Disclosure.