Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$65,267Cash toward the purchase price.
Closing costs + prepaids$17,445Not just lender fees.
Before credits & paid funds$82,712The complete starting cash picture.
Estimated remaining funds due at closing
$82,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,267.05
Your down payment$65,267.05
Closing costs + prepaids$17,445.01
Total buyer cash needed$82,712.06
Remaining funds due$82,712.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$1,624.75
Initial HOA (3 months)$1,311.00
Prepaid interest, first (27 days)$1,535.26
Fees + prepaids$17,445.01
Your down payment is the seller’s equity. You take over the $584,633 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $82,712.06 is due at closing. Uses and sources reconcile at $667,345.01 each. Not a Closing Disclosure.