Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$30,871Cash toward the purchase price.
Closing costs + prepaids$13,630Not just lender fees.
Before credits & paid funds$44,501The complete starting cash picture.
Estimated remaining funds due at closing
$44,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,871.40
Your down payment$30,871.40
Closing costs + prepaids$13,630.03
Total buyer cash needed$44,501.43
Remaining funds due$44,501.43
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
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$949.03
Fees + prepaids$13,630.03
Your down payment is the seller’s equity. You take over the $499,129 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $44,501.43 is due at closing. Uses and sources reconcile at $543,630.03 each. Not a Closing Disclosure.