Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$506,074Cash toward the purchase price.
Closing costs + prepaids$15,020Not just lender fees.
Before credits & paid funds$521,094The complete starting cash picture.
Estimated remaining funds due at closing
$521,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$506,073.78
Your down payment$506,073.78
Closing costs + prepaids$15,019.87
Total buyer cash needed$521,093.65
Remaining funds due$521,093.65
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)$1,625.00
Prepaid interest, first (22 days)$419.87
Fees + prepaids$15,019.87
Your down payment is the seller’s equity. You take over the $143,926 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $521,093.65 is due at closing. Uses and sources reconcile at $665,019.87 each. Not a Closing Disclosure.