Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$260,370Cash toward the purchase price.
Closing costs + prepaids$12,753Not just lender fees.
Before credits & paid funds$273,123The complete starting cash picture.
Estimated remaining funds due at closing
$273,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,369.61
Your down payment$260,369.61
Closing costs + prepaids$12,753.08
Total buyer cash needed$273,122.69
Remaining funds due$273,122.69
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
Prepaid interest, first (16 days)$315.58
Fees + prepaids$12,753.08
Your down payment is the seller’s equity. You take over the $269,630 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $273,122.69 is due at closing. Uses and sources reconcile at $542,753.08 each. Not a Closing Disclosure.