Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$177,013Cash toward the purchase price.
Closing costs + prepaids$16,262Not just lender fees.
Before credits & paid funds$193,275The complete starting cash picture.
Estimated remaining funds due at closing
$193,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,012.70
Your down payment$177,012.70
Closing costs + prepaids$16,261.80
Total buyer cash needed$193,274.50
Remaining funds due$193,274.50
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)$659.50
Initial HOA (3 months)$690.00
Prepaid interest, first (23 days)$1,937.30
Fees + prepaids$16,261.80
Your down payment is the seller’s equity. You take over the $472,987 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $193,274.50 is due at closing. Uses and sources reconcile at $666,261.80 each. Not a Closing Disclosure.