Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$448,397Cash toward the purchase price.
Closing costs + prepaids$15,298Not just lender fees.
Before credits & paid funds$463,695The complete starting cash picture.
Estimated remaining funds due at closing
$463,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,397.44
Your down payment$448,397.44
Closing costs + prepaids$15,297.63
Total buyer cash needed$463,695.07
Remaining funds due$463,695.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$2,304.75
Prepaid interest, first (1 days)$18.88
Fees + prepaids$15,297.63
Your down payment is the seller’s equity. You take over the $201,503 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $463,695.07 is due at closing. Uses and sources reconcile at $665,197.63 each. Not a Closing Disclosure.