Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$120,829Cash toward the purchase price.
Closing costs + prepaids$13,762Not just lender fees.
Before credits & paid funds$134,591The complete starting cash picture.
Estimated remaining funds due at closing
$134,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,829.20
Your down payment$120,829.20
Closing costs + prepaids$13,761.80
Total buyer cash needed$134,591.00
Remaining funds due$134,591.00
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)$1,085.50
Prepaid interest, first (30 days)$901.30
Fees + prepaids$13,761.80
Your down payment is the seller’s equity. You take over the $409,171 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $134,591.00 is due at closing. Uses and sources reconcile at $543,761.80 each. Not a Closing Disclosure.