Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$471,780Cash toward the purchase price.
Closing costs + prepaids$14,330Not just lender fees.
Before credits & paid funds$486,111The complete starting cash picture.
Estimated remaining funds due at closing
$486,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$471,780.09
Your down payment$471,780.09
Closing costs + prepaids$14,330.41
Total buyer cash needed$486,110.51
Remaining funds due$486,110.51
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)$829.25
Prepaid interest, first (24 days)$526.16
Fees + prepaids$14,330.41
Your down payment is the seller’s equity. You take over the $178,220 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $486,110.51 is due at closing. Uses and sources reconcile at $664,330.41 each. Not a Closing Disclosure.