Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$390,629Cash toward the purchase price.
Closing costs + prepaids$15,205Not just lender fees.
Before credits & paid funds$405,834The complete starting cash picture.
Estimated remaining funds due at closing
$405,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,628.54
Your down payment$390,628.54
Closing costs + prepaids$15,205.05
Total buyer cash needed$405,833.58
Remaining funds due$405,833.58
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)$1,551.25
Initial HOA (3 months)$144.99
Prepaid interest, first (24 days)$533.81
Fees + prepaids$15,205.05
Your down payment is the seller’s equity. You take over the $259,371 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $405,833.58 is due at closing. Uses and sources reconcile at $665,205.05 each. Not a Closing Disclosure.