Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,027Cash toward the purchase price.
Closing costs + prepaids$12,956Not just lender fees.
Before credits & paid funds$136,983The complete starting cash picture.
Estimated remaining funds due at closing
$136,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,027.39
Your down payment$124,027.39
Closing costs + prepaids$12,955.67
Total buyer cash needed$136,983.07
Remaining funds due$136,983.07
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)$633.50
Initial HOA (3 months)$489.00
Prepaid interest, first (1 days)$58.17
Fees + prepaids$12,955.67
Your down payment is the seller’s equity. You take over the $405,973 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $136,983.07 is due at closing. Uses and sources reconcile at $542,955.67 each. Not a Closing Disclosure.