Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$379,816Cash toward the purchase price.
Closing costs + prepaids$14,358Not just lender fees.
Before credits & paid funds$394,174The complete starting cash picture.
Estimated remaining funds due at closing
$394,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,815.75
Your down payment$379,815.75
Closing costs + prepaids$14,358.00
Total buyer cash needed$394,173.75
Remaining funds due$394,173.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$135.00
Prepaid interest, first (17 days)$436.50
Fees + prepaids$14,358.00
Your down payment is the seller’s equity. You take over the $270,084 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $394,173.75 is due at closing. Uses and sources reconcile at $664,258.00 each. Not a Closing Disclosure.