Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$240,784Cash toward the purchase price.
Closing costs + prepaids$16,844Not just lender fees.
Before credits & paid funds$257,628The complete starting cash picture.
Estimated remaining funds due at closing
$257,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,783.71
Your down payment$240,783.71
Closing costs + prepaids$16,844.30
Total buyer cash needed$257,628.01
Remaining funds due$257,628.01
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)$1,625.00
Initial HOA (3 months)$609.00
Prepaid interest, first (22 days)$1,635.30
Fees + prepaids$16,844.30
Your down payment is the seller’s equity. You take over the $409,216 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $257,628.01 is due at closing. Uses and sources reconcile at $666,844.30 each. Not a Closing Disclosure.