Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$145,436Cash toward the purchase price.
Closing costs + prepaids$16,179Not just lender fees.
Before credits & paid funds$161,615The complete starting cash picture.
Estimated remaining funds due at closing
$161,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,436.17
Your down payment$145,436.17
Closing costs + prepaids$16,178.98
Total buyer cash needed$161,615.15
Remaining funds due$161,615.15
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)$974.50
Prepaid interest, first (24 days)$2,229.48
Fees + prepaids$16,178.98
Your down payment is the seller’s equity. You take over the $504,564 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $161,615.15 is due at closing. Uses and sources reconcile at $666,178.98 each. Not a Closing Disclosure.