Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$450,723Cash toward the purchase price.
Closing costs + prepaids$14,372Not just lender fees.
Before credits & paid funds$465,095The complete starting cash picture.
Estimated remaining funds due at closing
$465,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,723.10
Your down payment$450,723.10
Closing costs + prepaids$14,371.79
Total buyer cash needed$465,094.89
Remaining funds due$465,094.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$790.50
Initial HOA (3 months)$159.00
Prepaid interest, first (23 days)$457.29
Fees + prepaids$14,371.79
Your down payment is the seller’s equity. You take over the $198,277 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $465,094.89 is due at closing. Uses and sources reconcile at $663,371.79 each. Not a Closing Disclosure.