Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,730Cash toward the purchase price.
Closing costs + prepaids$17,945Not just lender fees.
Before credits & paid funds$153,675The complete starting cash picture.
Estimated remaining funds due at closing
$153,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,730.39
Your down payment$135,730.39
Closing costs + prepaids$17,945.00
Total buyer cash needed$153,675.38
Remaining funds due$153,675.38
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)$1,625.00
Initial HOA (3 months)$615.00
Prepaid interest, first (28 days)$2,730.00
Fees + prepaids$17,945.00
Your down payment is the seller’s equity. You take over the $514,270 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $153,675.38 is due at closing. Uses and sources reconcile at $667,945.00 each. Not a Closing Disclosure.