Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$133,720Cash toward the purchase price.
Closing costs + prepaids$15,746Not just lender fees.
Before credits & paid funds$149,466The complete starting cash picture.
Estimated remaining funds due at closing
$149,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,719.60
Your down payment$133,719.60
Closing costs + prepaids$15,746.04
Total buyer cash needed$149,465.63
Remaining funds due$149,465.63
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
Initial HOA (3 months)$687.00
Prepaid interest, first (26 days)$1,959.04
Fees + prepaids$15,746.04
Your down payment is the seller’s equity. You take over the $396,280 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $149,465.63 is due at closing. Uses and sources reconcile at $545,746.04 each. Not a Closing Disclosure.