Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$142,843Cash toward the purchase price.
Closing costs + prepaids$13,634Not just lender fees.
Before credits & paid funds$156,477The complete starting cash picture.
Estimated remaining funds due at closing
$156,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,843.20
Your down payment$142,843.20
Closing costs + prepaids$13,633.57
Total buyer cash needed$156,476.77
Remaining funds due$156,476.77
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)$636.00
Prepaid interest, first (17 days)$1,222.57
Fees + prepaids$13,633.57
Your down payment is the seller’s equity. You take over the $387,157 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $156,476.77 is due at closing. Uses and sources reconcile at $543,633.57 each. Not a Closing Disclosure.