Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,094Cash toward the purchase price.
Closing costs + prepaids$15,109Not just lender fees.
Before credits & paid funds$107,202The complete starting cash picture.
Estimated remaining funds due at closing
$107,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,093.59
Your down payment$92,093.59
Closing costs + prepaids$15,108.51
Total buyer cash needed$107,202.10
Remaining funds due$107,202.10
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)$2,031.25
Prepaid interest, first (1 days)$102.26
Fees + prepaids$15,108.51
Your down payment is the seller’s equity. You take over the $557,906 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $107,202.10 is due at closing. Uses and sources reconcile at $665,108.51 each. Not a Closing Disclosure.