Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$482,927Cash toward the purchase price.
Closing costs + prepaids$14,818Not just lender fees.
Before credits & paid funds$497,745The complete starting cash picture.
Estimated remaining funds due at closing
$497,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,927.50
Your down payment$482,927.50
Closing costs + prepaids$14,817.63
Total buyer cash needed$497,745.13
Remaining funds due$497,745.13
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)$1,321.50
Prepaid interest, first (23 days)$521.13
Fees + prepaids$14,817.63
Your down payment is the seller’s equity. You take over the $167,073 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $497,745.13 is due at closing. Uses and sources reconcile at $664,817.63 each. Not a Closing Disclosure.