Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$26,833Cash toward the purchase price.
Closing costs + prepaids$15,419Not just lender fees.
Before credits & paid funds$42,252The complete starting cash picture.
Estimated remaining funds due at closing
$42,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,833.17
Your down payment$26,833.17
Closing costs + prepaids$15,418.69
Total buyer cash needed$42,251.86
Remaining funds due$42,251.86
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)$921.25
Initial HOA (3 months)$20.01
Prepaid interest, first (22 days)$1,502.43
Fees + prepaids$15,418.69
Your down payment is the seller’s equity. You take over the $623,167 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $42,251.86 is due at closing. Uses and sources reconcile at $665,418.69 each. Not a Closing Disclosure.