Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$101,371Cash toward the purchase price.
Closing costs + prepaids$15,736Not just lender fees.
Before credits & paid funds$117,107The complete starting cash picture.
Estimated remaining funds due at closing
$117,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,371.03
Your down payment$101,371.03
Closing costs + prepaids$15,735.58
Total buyer cash needed$117,106.61
Remaining funds due$117,106.61
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)$1,610.75
Prepaid interest, first (30 days)$2,349.83
Fees + prepaids$15,735.58
Your down payment is the seller’s equity. You take over the $428,629 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $117,106.61 is due at closing. Uses and sources reconcile at $545,735.58 each. Not a Closing Disclosure.