Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$97,188Cash toward the purchase price.
Closing costs + prepaids$14,763Not just lender fees.
Before credits & paid funds$111,951The complete starting cash picture.
Estimated remaining funds due at closing
$111,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,188.37
Your down payment$97,188.37
Closing costs + prepaids$14,762.51
Total buyer cash needed$111,950.88
Remaining funds due$111,950.88
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)$506.25
Prepaid interest, first (31 days)$2,481.26
Fees + prepaids$14,762.51
Your down payment is the seller’s equity. You take over the $432,812 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $111,950.88 is due at closing. Uses and sources reconcile at $544,762.51 each. Not a Closing Disclosure.