Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$513,150Cash toward the purchase price.
Closing costs + prepaids$13,586Not just lender fees.
Before credits & paid funds$526,736The complete starting cash picture.
Estimated remaining funds due at closing
$526,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$513,150.44
Your down payment$513,150.44
Closing costs + prepaids$13,585.87
Total buyer cash needed$526,736.31
Remaining funds due$526,736.31
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)$358.25
Prepaid interest, first (28 days)$262.62
Fees + prepaids$13,585.87
Your down payment is the seller’s equity. You take over the $135,850 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $526,736.31 is due at closing. Uses and sources reconcile at $662,585.87 each. Not a Closing Disclosure.