Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$139,716Cash toward the purchase price.
Closing costs + prepaids$13,449Not just lender fees.
Before credits & paid funds$153,165The complete starting cash picture.
Estimated remaining funds due at closing
$153,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,716.37
Your down payment$139,716.37
Closing costs + prepaids$13,449.12
Total buyer cash needed$153,165.50
Remaining funds due$153,165.50
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)$615.00
Initial HOA (3 months)$270.00
Prepaid interest, first (20 days)$789.12
Fees + prepaids$13,449.12
Your down payment is the seller’s equity. You take over the $390,284 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $153,165.50 is due at closing. Uses and sources reconcile at $543,449.12 each. Not a Closing Disclosure.