Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$371,374Cash toward the purchase price.
Closing costs + prepaids$14,203Not just lender fees.
Before credits & paid funds$385,577The complete starting cash picture.
Estimated remaining funds due at closing
$385,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,374.32
Your down payment$371,374.32
Closing costs + prepaids$14,203.07
Total buyer cash needed$385,577.39
Remaining funds due$385,577.39
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)$1,131.50
Initial HOA (3 months)$50.01
Prepaid interest, first (2 days)$46.56
Fees + prepaids$14,203.07
Your down payment is the seller’s equity. You take over the $278,626 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $385,577.39 is due at closing. Uses and sources reconcile at $664,203.07 each. Not a Closing Disclosure.