Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$426,231Cash toward the purchase price.
Closing costs + prepaids$13,302Not just lender fees.
Before credits & paid funds$439,533The complete starting cash picture.
Estimated remaining funds due at closing
$439,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,231.22
Your down payment$426,231.22
Closing costs + prepaids$13,302.14
Total buyer cash needed$439,533.36
Remaining funds due$439,533.36
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)$1,325.00
Prepaid interest, first (18 days)$202.14
Fees + prepaids$13,302.14
Your down payment is the seller’s equity. You take over the $103,769 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $439,533.36 is due at closing. Uses and sources reconcile at $543,302.14 each. Not a Closing Disclosure.