Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$276,572Cash toward the purchase price.
Closing costs + prepaids$13,658Not just lender fees.
Before credits & paid funds$290,230The complete starting cash picture.
Estimated remaining funds due at closing
$290,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,571.51
Your down payment$276,571.51
Closing costs + prepaids$13,658.30
Total buyer cash needed$290,229.81
Remaining funds due$290,229.81
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)$1,194.00
Initial HOA (3 months)$143.01
Prepaid interest, first (28 days)$546.29
Fees + prepaids$13,658.30
Your down payment is the seller’s equity. You take over the $253,428 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $290,229.81 is due at closing. Uses and sources reconcile at $543,658.30 each. Not a Closing Disclosure.