Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$94,681Cash toward the purchase price.
Closing costs + prepaids$16,152Not just lender fees.
Before credits & paid funds$110,833The complete starting cash picture.
Estimated remaining funds due at closing
$110,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,680.59
Your down payment$94,680.59
Closing costs + prepaids$16,152.17
Total buyer cash needed$110,832.76
Remaining funds due$110,832.76
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)$812.50
Initial HOA (3 months)$549.00
Prepaid interest, first (17 days)$1,815.67
Fees + prepaids$16,152.17
Your down payment is the seller’s equity. You take over the $555,319 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $110,832.76 is due at closing. Uses and sources reconcile at $666,152.17 each. Not a Closing Disclosure.