Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,454Cash toward the purchase price.
Closing costs + prepaids$15,899Not just lender fees.
Before credits & paid funds$140,353The complete starting cash picture.
Estimated remaining funds due at closing
$140,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,454.12
Your down payment$124,454.12
Closing costs + prepaids$15,899.28
Total buyer cash needed$140,353.41
Remaining funds due$140,353.41
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)$271.50
Prepaid interest, first (28 days)$2,652.78
Fees + prepaids$15,899.28
Your down payment is the seller’s equity. You take over the $525,546 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $140,353.41 is due at closing. Uses and sources reconcile at $665,899.28 each. Not a Closing Disclosure.