Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$229,903Cash toward the purchase price.
Closing costs + prepaids$15,440Not just lender fees.
Before credits & paid funds$245,342The complete starting cash picture.
Estimated remaining funds due at closing
$245,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,902.63
Your down payment$229,902.63
Closing costs + prepaids$15,439.85
Total buyer cash needed$245,342.48
Remaining funds due$245,342.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$819.00
Prepaid interest, first (22 days)$1,645.86
Fees + prepaids$15,439.85
Your down payment is the seller’s equity. You take over the $420,096 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $245,342.48 is due at closing. Uses and sources reconcile at $665,438.85 each. Not a Closing Disclosure.