Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$407,305Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$420,114The complete starting cash picture.
Estimated remaining funds due at closing
$420,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,305.40
Your down payment$407,305.40
Closing costs + prepaids$12,808.92
Total buyer cash needed$420,114.32
Remaining funds due$420,114.32
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)$667.25
Prepaid interest, first (27 days)$366.67
Fees + prepaids$12,808.92
Your down payment is the seller’s equity. You take over the $122,695 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $420,114.32 is due at closing. Uses and sources reconcile at $542,808.92 each. Not a Closing Disclosure.