Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$396,231Cash toward the purchase price.
Closing costs + prepaids$12,883Not just lender fees.
Before credits & paid funds$409,114The complete starting cash picture.
Estimated remaining funds due at closing
$409,114No 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$12,883.39
Total buyer cash needed$409,114.21
Remaining funds due$409,114.21
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)$662.50
Initial HOA (3 months)$156.00
Prepaid interest, first (14 days)$289.89
Fees + prepaids$12,883.39
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. $409,114.21 is due at closing. Uses and sources reconcile at $542,883.39 each. Not a Closing Disclosure.