Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$382,224Cash toward the purchase price.
Closing costs + prepaids$14,775Not just lender fees.
Before credits & paid funds$396,999The complete starting cash picture.
Estimated remaining funds due at closing
$396,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,223.75
Your down payment$382,223.75
Closing costs + prepaids$14,775.19
Total buyer cash needed$396,998.94
Remaining funds due$396,998.94
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)$968.25
Prepaid interest, first (27 days)$831.94
Fees + prepaids$14,775.19
Your down payment is the seller’s equity. You take over the $267,776 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $396,998.94 is due at closing. Uses and sources reconcile at $664,775.19 each. Not a Closing Disclosure.