Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$210,347Cash toward the purchase price.
Closing costs + prepaids$15,442Not just lender fees.
Before credits & paid funds$225,788The complete starting cash picture.
Estimated remaining funds due at closing
$225,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,346.75
Your down payment$210,346.75
Closing costs + prepaids$15,441.53
Total buyer cash needed$225,788.28
Remaining funds due$225,788.28
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)$1,247.00
Initial HOA (3 months)$174.00
Prepaid interest, first (28 days)$1,045.53
Fees + prepaids$15,441.53
Your down payment is the seller’s equity. You take over the $439,653 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $225,788.28 is due at closing. Uses and sources reconcile at $665,441.53 each. Not a Closing Disclosure.