Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$150,811Cash toward the purchase price.
Closing costs + prepaids$17,501Not just lender fees.
Before credits & paid funds$168,312The complete starting cash picture.
Estimated remaining funds due at closing
$168,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,811.21
Your down payment$150,811.21
Closing costs + prepaids$17,501.23
Total buyer cash needed$168,312.44
Remaining funds due$168,312.44
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)$1,624.75
Initial HOA (3 months)$210.00
Prepaid interest, first (29 days)$2,692.48
Fees + prepaids$17,501.23
Your down payment is the seller’s equity. You take over the $499,089 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $168,312.44 is due at closing. Uses and sources reconcile at $667,401.23 each. Not a Closing Disclosure.