Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$276,007Cash toward the purchase price.
Closing costs + prepaids$15,920Not just lender fees.
Before credits & paid funds$291,927The complete starting cash picture.
Estimated remaining funds due at closing
$291,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,007.11
Your down payment$276,007.11
Closing costs + prepaids$15,920.07
Total buyer cash needed$291,927.18
Remaining funds due$291,927.18
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)$1,218.25
Initial HOA (3 months)$93.75
Prepaid interest, first (26 days)$1,633.07
Fees + prepaids$15,920.07
Your down payment is the seller’s equity. You take over the $373,993 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $291,927.18 is due at closing. Uses and sources reconcile at $665,920.07 each. Not a Closing Disclosure.