Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$505,381Cash toward the purchase price.
Closing costs + prepaids$15,139Not just lender fees.
Before credits & paid funds$520,521The complete starting cash picture.
Estimated remaining funds due at closing
$520,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,381.43
Your down payment$505,381.43
Closing costs + prepaids$15,139.16
Total buyer cash needed$520,520.59
Remaining funds due$520,520.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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
Prepaid interest, first (27 days)$539.17
Fees + prepaids$15,139.16
Your down payment is the seller’s equity. You take over the $144,618 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $520,520.59 is due at closing. Uses and sources reconcile at $665,138.16 each. Not a Closing Disclosure.