Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,404Cash toward the purchase price.
Closing costs + prepaids$14,591Not just lender fees.
Before credits & paid funds$115,995The complete starting cash picture.
Estimated remaining funds due at closing
$115,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,403.85
Your down payment$101,403.85
Closing costs + prepaids$14,591.48
Total buyer cash needed$115,995.33
Remaining funds due$115,995.33
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)$1,157.00
Initial HOA (3 months)$20.01
Prepaid interest, first (26 days)$1,639.47
Fees + prepaids$14,591.48
Your down payment is the seller’s equity. You take over the $428,596 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $115,995.33 is due at closing. Uses and sources reconcile at $544,591.48 each. Not a Closing Disclosure.