Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,970Cash toward the purchase price.
Closing costs + prepaids$17,002Not just lender fees.
Before credits & paid funds$153,972The complete starting cash picture.
Estimated remaining funds due at closing
$153,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,970.07
Your down payment$136,970.07
Closing costs + prepaids$17,001.89
Total buyer cash needed$153,971.96
Remaining funds due$153,971.96
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)$544.25
Initial HOA (3 months)$450.00
Prepaid interest, first (31 days)$3,032.64
Fees + prepaids$17,001.89
Your down payment is the seller’s equity. You take over the $513,030 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $153,971.96 is due at closing. Uses and sources reconcile at $667,001.89 each. Not a Closing Disclosure.