Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$257,892Cash toward the purchase price.
Closing costs + prepaids$16,765Not just lender fees.
Before credits & paid funds$274,657The complete starting cash picture.
Estimated remaining funds due at closing
$274,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,892.47
Your down payment$257,892.47
Closing costs + prepaids$16,764.65
Total buyer cash needed$274,657.12
Remaining funds due$274,657.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,500.00
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)$1,625.00
Prepaid interest, first (31 days)$2,164.65
Fees + prepaids$16,764.65
Your down payment is the seller’s equity. You take over the $392,108 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $274,657.12 is due at closing. Uses and sources reconcile at $666,764.65 each. Not a Closing Disclosure.