Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,214Cash toward the purchase price.
Closing costs + prepaids$14,995Not just lender fees.
Before credits & paid funds$168,209The complete starting cash picture.
Estimated remaining funds due at closing
$168,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,214.08
Your down payment$153,214.08
Closing costs + prepaids$14,995.26
Total buyer cash needed$168,209.33
Remaining funds due$168,209.33
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)$1,624.75
Prepaid interest, first (28 days)$1,595.51
Fees + prepaids$14,995.26
Your down payment is the seller’s equity. You take over the $376,786 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $168,209.33 is due at closing. Uses and sources reconcile at $544,995.26 each. Not a Closing Disclosure.