Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$228,753Cash toward the purchase price.
Closing costs + prepaids$12,849Not just lender fees.
Before credits & paid funds$241,602The complete starting cash picture.
Estimated remaining funds due at closing
$241,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,753.04
Your down payment$228,753.04
Closing costs + prepaids$12,848.70
Total buyer cash needed$241,601.74
Remaining funds due$241,601.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$71.25
Prepaid interest, first (12 days)$366.45
Fees + prepaids$12,848.70
Your down payment is the seller’s equity. You take over the $301,247 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $241,601.74 is due at closing. Uses and sources reconcile at $542,848.70 each. Not a Closing Disclosure.