Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$296,208Cash toward the purchase price.
Closing costs + prepaids$12,843Not just lender fees.
Before credits & paid funds$309,051The complete starting cash picture.
Estimated remaining funds due at closing
$309,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,207.71
Your down payment$296,207.71
Closing costs + prepaids$12,842.97
Total buyer cash needed$309,050.68
Remaining funds due$309,050.68
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
Prepaid interest, first (12 days)$431.97
Fees + prepaids$12,842.97
Your down payment is the seller’s equity. You take over the $233,792 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $309,050.68 is due at closing. Uses and sources reconcile at $542,842.97 each. Not a Closing Disclosure.