Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$124,652Cash toward the purchase price.
Closing costs + prepaids$14,001Not just lender fees.
Before credits & paid funds$138,653The complete starting cash picture.
Estimated remaining funds due at closing
$138,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,651.82
Your down payment$124,651.82
Closing costs + prepaids$14,001.05
Total buyer cash needed$138,652.87
Remaining funds due$138,652.87
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 (19 days)$1,103.55
Fees + prepaids$14,001.05
Your down payment is the seller’s equity. You take over the $405,348 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $138,652.87 is due at closing. Uses and sources reconcile at $544,001.05 each. Not a Closing Disclosure.