Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,635Cash toward the purchase price.
Closing costs + prepaids$15,394Not just lender fees.
Before credits & paid funds$384,030The complete starting cash picture.
Estimated remaining funds due at closing
$384,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,635.32
Your down payment$368,635.32
Closing costs + prepaids$15,394.22
Total buyer cash needed$384,029.54
Remaining funds due$384,029.54
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
Initial HOA (3 months)$72.00
Prepaid interest, first (27 days)$722.22
Fees + prepaids$15,394.22
Your down payment is the seller’s equity. You take over the $281,365 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $384,029.54 is due at closing. Uses and sources reconcile at $665,394.22 each. Not a Closing Disclosure.