Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$230,029Cash toward the purchase price.
Closing costs + prepaids$16,415Not just lender fees.
Before credits & paid funds$246,445The complete starting cash picture.
Estimated remaining funds due at closing
$246,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,029.38
Your down payment$230,029.38
Closing costs + prepaids$16,415.25
Total buyer cash needed$246,444.63
Remaining funds due$246,444.63
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)$948.00
Prepaid interest, first (25 days)$868.50
Fees + prepaids$16,415.25
Your down payment is the seller’s equity. You take over the $419,871 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $246,444.63 is due at closing. Uses and sources reconcile at $666,315.25 each. Not a Closing Disclosure.