Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$225,866Cash toward the purchase price.
Closing costs + prepaids$13,654Not just lender fees.
Before credits & paid funds$239,520The complete starting cash picture.
Estimated remaining funds due at closing
$239,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,865.56
Your down payment$225,865.56
Closing costs + prepaids$13,654.25
Total buyer cash needed$239,519.81
Remaining funds due$239,519.81
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)$953.50
Initial HOA (3 months)$135.00
Prepaid interest, first (26 days)$790.75
Fees + prepaids$13,654.25
Your down payment is the seller’s equity. You take over the $304,134 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $239,519.81 is due at closing. Uses and sources reconcile at $543,654.25 each. Not a Closing Disclosure.