Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,652Cash toward the purchase price.
Closing costs + prepaids$14,408Not just lender fees.
Before credits & paid funds$139,059The complete starting cash picture.
Estimated remaining funds due at closing
$139,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,651.82
Your down payment$124,651.82
Closing costs + prepaids$14,407.62
Total buyer cash needed$139,059.44
Remaining funds due$139,059.44
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)$633.50
Initial HOA (3 months)$489.00
Prepaid interest, first (26 days)$1,510.12
Fees + prepaids$14,407.62
Your down payment is the seller’s equity. You take over the $405,348 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $139,059.44 is due at closing. Uses and sources reconcile at $544,407.62 each. Not a Closing Disclosure.