Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$120,829Cash toward the purchase price.
Closing costs + prepaids$13,521Not just lender fees.
Before credits & paid funds$134,351The complete starting cash picture.
Estimated remaining funds due at closing
$134,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,829.20
Your down payment$120,829.20
Closing costs + prepaids$13,521.45
Total buyer cash needed$134,350.65
Remaining funds due$134,350.65
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)$1,085.50
Prepaid interest, first (22 days)$660.95
Fees + prepaids$13,521.45
Your down payment is the seller’s equity. You take over the $409,171 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $134,350.65 is due at closing. Uses and sources reconcile at $543,521.45 each. Not a Closing Disclosure.