Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$497,337Cash toward the purchase price.
Closing costs + prepaids$14,217Not just lender fees.
Before credits & paid funds$511,554The complete starting cash picture.
Estimated remaining funds due at closing
$511,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$497,337.10
Your down payment$497,337.10
Closing costs + prepaids$14,216.64
Total buyer cash needed$511,553.74
Remaining funds due$511,553.74
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)$589.25
Initial HOA (3 months)$154.50
Prepaid interest, first (31 days)$497.89
Fees + prepaids$14,216.64
Your down payment is the seller’s equity. You take over the $152,663 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $511,553.74 is due at closing. Uses and sources reconcile at $664,216.64 each. Not a Closing Disclosure.