Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,985Cash toward the purchase price.
Closing costs + prepaids$16,040Not just lender fees.
Before credits & paid funds$231,024The complete starting cash picture.
Estimated remaining funds due at closing
$231,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,984.51
Your down payment$214,984.51
Closing costs + prepaids$16,039.50
Total buyer cash needed$231,024.01
Remaining funds due$231,024.01
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)$405.00
Prepaid interest, first (28 days)$1,034.50
Fees + prepaids$16,039.50
Your down payment is the seller’s equity. You take over the $435,015 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $231,024.01 is due at closing. Uses and sources reconcile at $666,039.50 each. Not a Closing Disclosure.