Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,081Cash toward the purchase price.
Closing costs + prepaids$17,617Not just lender fees.
Before credits & paid funds$204,698The complete starting cash picture.
Estimated remaining funds due at closing
$204,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,080.94
Your down payment$187,080.94
Closing costs + prepaids$17,616.65
Total buyer cash needed$204,697.60
Remaining funds due$204,697.60
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)$1,469.00
Initial HOA (3 months)$507.00
Prepaid interest, first (31 days)$2,665.65
Fees + prepaids$17,616.65
Your down payment is the seller’s equity. You take over the $462,919 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $204,697.60 is due at closing. Uses and sources reconcile at $667,616.65 each. Not a Closing Disclosure.