Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$359,336Cash toward the purchase price.
Closing costs + prepaids$15,460Not just lender fees.
Before credits & paid funds$374,796The complete starting cash picture.
Estimated remaining funds due at closing
$374,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,335.65
Your down payment$359,335.65
Closing costs + prepaids$15,460.24
Total buyer cash needed$374,795.89
Remaining funds due$374,795.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$1,470.50
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$715.74
Fees + prepaids$15,460.24
Your down payment is the seller’s equity. You take over the $290,564 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $374,795.89 is due at closing. Uses and sources reconcile at $665,360.24 each. Not a Closing Disclosure.