Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,728Cash toward the purchase price.
Closing costs + prepaids$17,006Not just lender fees.
Before credits & paid funds$114,734The complete starting cash picture.
Estimated remaining funds due at closing
$114,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,727.99
Your down payment$97,727.99
Closing costs + prepaids$17,006.40
Total buyer cash needed$114,734.39
Remaining funds due$114,734.39
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)$207.00
Prepaid interest, first (23 days)$2,199.40
Fees + prepaids$17,006.40
Your down payment is the seller’s equity. You take over the $552,272 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $114,734.39 is due at closing. Uses and sources reconcile at $667,006.40 each. Not a Closing Disclosure.