Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,966Cash toward the purchase price.
Closing costs + prepaids$16,836Not just lender fees.
Before credits & paid funds$70,802The complete starting cash picture.
Estimated remaining funds due at closing
$70,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,965.90
Your down payment$53,965.90
Closing costs + prepaids$16,836.22
Total buyer cash needed$70,802.13
Remaining funds due$70,802.13
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)$741.50
Initial HOA (3 months)$126.00
Prepaid interest, first (27 days)$2,993.72
Fees + prepaids$16,836.22
Your down payment is the seller’s equity. You take over the $596,034 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $70,802.13 is due at closing. Uses and sources reconcile at $666,836.22 each. Not a Closing Disclosure.