Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$514,276Cash toward the purchase price.
Closing costs + prepaids$14,971Not just lender fees.
Before credits & paid funds$529,247The complete starting cash picture.
Estimated remaining funds due at closing
$529,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$514,276.31
Your down payment$514,276.31
Closing costs + prepaids$14,970.66
Total buyer cash needed$529,246.96
Remaining funds due$529,246.96
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
Prepaid interest, first (28 days)$370.66
Fees + prepaids$14,970.66
Your down payment is the seller’s equity. You take over the $135,724 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $529,246.96 is due at closing. Uses and sources reconcile at $664,970.66 each. Not a Closing Disclosure.