Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$121,622Cash toward the purchase price.
Closing costs + prepaids$12,961Not just lender fees.
Before credits & paid funds$134,584The complete starting cash picture.
Estimated remaining funds due at closing
$134,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,622.41
Your down payment$121,622.41
Closing costs + prepaids$12,961.33
Total buyer cash needed$134,583.74
Remaining funds due$134,583.74
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)$165.00
Prepaid interest, first (12 days)$385.33
Fees + prepaids$12,961.33
Your down payment is the seller’s equity. You take over the $408,378 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $134,583.74 is due at closing. Uses and sources reconcile at $542,961.33 each. Not a Closing Disclosure.