Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$109,069Cash toward the purchase price.
Closing costs + prepaids$13,999Not just lender fees.
Before credits & paid funds$123,068The complete starting cash picture.
Estimated remaining funds due at closing
$123,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,068.69
Your down payment$109,068.69
Closing costs + prepaids$13,999.14
Total buyer cash needed$123,067.83
Remaining funds due$123,067.83
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)$108.50
Initial HOA (3 months)$495.00
Prepaid interest, first (23 days)$1,620.64
Fees + prepaids$13,999.14
Your down payment is the seller’s equity. You take over the $420,931 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $123,067.83 is due at closing. Uses and sources reconcile at $543,999.14 each. Not a Closing Disclosure.