Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,701Cash toward the purchase price.
Closing costs + prepaids$19,605Not just lender fees.
Before credits & paid funds$33,306The complete starting cash picture.
Estimated remaining funds due at closing
$33,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,700.92
Your down payment$13,700.92
Closing costs + prepaids$19,605.39
Total buyer cash needed$33,306.31
Remaining funds due$33,306.31
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)$1,887.00
Prepaid interest, first (26 days)$3,118.39
Fees + prepaids$19,605.39
Your down payment is the seller’s equity. You take over the $636,299 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $33,306.31 is due at closing. Uses and sources reconcile at $669,605.39 each. Not a Closing Disclosure.