Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,368Cash toward the purchase price.
Closing costs + prepaids$12,618Not just lender fees.
Before credits & paid funds$42,987The complete starting cash picture.
Estimated remaining funds due at closing
$42,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,368.42
Your down payment$30,368.42
Closing costs + prepaids$12,618.50
Total buyer cash needed$42,986.92
Remaining funds due$42,986.92
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)$478.50
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$95.00
Fees + prepaids$12,618.50
Your down payment is the seller’s equity. You take over the $499,632 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $42,986.92 is due at closing. Uses and sources reconcile at $542,618.50 each. Not a Closing Disclosure.