Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,053Cash toward the purchase price.
Closing costs + prepaids$14,903Not just lender fees.
Before credits & paid funds$111,956The complete starting cash picture.
Estimated remaining funds due at closing
$111,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,052.98
Your down payment$97,052.98
Closing costs + prepaids$14,902.74
Total buyer cash needed$111,955.72
Remaining funds due$111,955.72
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
Initial HOA (3 months)$207.00
Prepaid interest, first (1 days)$95.74
Fees + prepaids$14,902.74
Your down payment is the seller’s equity. You take over the $552,947 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $111,955.72 is due at closing. Uses and sources reconcile at $664,902.74 each. Not a Closing Disclosure.