Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$249,108Cash toward the purchase price.
Closing costs + prepaids$16,079Not just lender fees.
Before credits & paid funds$265,186The complete starting cash picture.
Estimated remaining funds due at closing
$265,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,107.61
Your down payment$249,107.61
Closing costs + prepaids$16,078.60
Total buyer cash needed$265,186.21
Remaining funds due$265,186.21
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)$1,327.25
Initial HOA (3 months)$30.00
Prepaid interest, first (30 days)$1,746.35
Fees + prepaids$16,078.60
Your down payment is the seller’s equity. You take over the $400,892 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $265,186.21 is due at closing. Uses and sources reconcile at $666,078.60 each. Not a Closing Disclosure.