Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$243,402Cash toward the purchase price.
Closing costs + prepaids$15,741Not just lender fees.
Before credits & paid funds$259,143The complete starting cash picture.
Estimated remaining funds due at closing
$259,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,401.94
Your down payment$243,401.94
Closing costs + prepaids$15,740.98
Total buyer cash needed$259,142.92
Remaining funds due$259,142.92
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)$1,806.75
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$869.23
Fees + prepaids$15,740.98
Your down payment is the seller’s equity. You take over the $406,598 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $259,142.92 is due at closing. Uses and sources reconcile at $665,740.98 each. Not a Closing Disclosure.