Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$126,602Cash toward the purchase price.
Closing costs + prepaids$14,971Not just lender fees.
Before credits & paid funds$141,572The complete starting cash picture.
Estimated remaining funds due at closing
$141,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,601.60
Your down payment$126,601.60
Closing costs + prepaids$14,970.65
Total buyer cash needed$141,572.25
Remaining funds due$141,572.25
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)$780.00
Initial HOA (3 months)$360.00
Prepaid interest, first (9 days)$855.65
Fees + prepaids$14,970.65
Your down payment is the seller’s equity. You take over the $523,398 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $141,572.25 is due at closing. Uses and sources reconcile at $664,970.65 each. Not a Closing Disclosure.