Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$396,231Cash toward the purchase price.
Closing costs + prepaids$13,028Not just lender fees.
Before credits & paid funds$409,259The complete starting cash picture.
Estimated remaining funds due at closing
$409,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,230.82
Your down payment$396,230.82
Closing costs + prepaids$13,027.75
Total buyer cash needed$409,258.57
Remaining funds due$409,258.57
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)$620.50
Initial HOA (3 months)$156.00
Prepaid interest, first (23 days)$476.25
Fees + prepaids$13,027.75
Your down payment is the seller’s equity. You take over the $133,769 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $409,258.57 is due at closing. Uses and sources reconcile at $543,027.75 each. Not a Closing Disclosure.