Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,558Cash toward the purchase price.
Closing costs + prepaids$16,060Not just lender fees.
Before credits & paid funds$205,618The complete starting cash picture.
Estimated remaining funds due at closing
$205,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,558.12
Your down payment$189,558.12
Closing costs + prepaids$16,060.16
Total buyer cash needed$205,618.28
Remaining funds due$205,618.28
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)$756.50
Initial HOA (3 months)$87.51
Prepaid interest, first (27 days)$2,241.15
Fees + prepaids$16,060.16
Your down payment is the seller’s equity. You take over the $460,442 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $205,618.28 is due at closing. Uses and sources reconcile at $666,060.16 each. Not a Closing Disclosure.