Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$120,829Cash toward the purchase price.
Closing costs + prepaids$12,621Not just lender fees.
Before credits & paid funds$133,451The complete starting cash picture.
Estimated remaining funds due at closing
$133,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,829.20
Your down payment$120,829.20
Closing costs + prepaids$12,621.30
Total buyer cash needed$133,450.50
Remaining funds due$133,450.50
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)$636.00
Prepaid interest, first (7 days)$210.30
Fees + prepaids$12,621.30
Your down payment is the seller’s equity. You take over the $409,171 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $133,450.50 is due at closing. Uses and sources reconcile at $542,621.30 each. Not a Closing Disclosure.