Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$549,848Cash toward the purchase price.
Closing costs + prepaids$13,880Not just lender fees.
Before credits & paid funds$563,729The complete starting cash picture.
Estimated remaining funds due at closing
$563,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$549,848.46
Your down payment$549,848.46
Closing costs + prepaids$13,880.31
Total buyer cash needed$563,728.77
Remaining funds due$563,728.77
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)$780.00
Prepaid interest, first (12 days)$126.31
Fees + prepaids$13,880.31
Your down payment is the seller’s equity. You take over the $100,052 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $563,728.77 is due at closing. Uses and sources reconcile at $663,780.31 each. Not a Closing Disclosure.