Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$238,605Cash toward the purchase price.
Closing costs + prepaids$14,294Not just lender fees.
Before credits & paid funds$252,898The complete starting cash picture.
Estimated remaining funds due at closing
$252,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,604.97
Your down payment$238,604.97
Closing costs + prepaids$14,293.52
Total buyer cash needed$252,898.49
Remaining funds due$252,898.49
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)$1,325.00
Prepaid interest, first (23 days)$1,193.52
Fees + prepaids$14,293.52
Your down payment is the seller’s equity. You take over the $291,395 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $252,898.49 is due at closing. Uses and sources reconcile at $544,293.52 each. Not a Closing Disclosure.