Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$400,663Cash toward the purchase price.
Closing costs + prepaids$14,415Not just lender fees.
Before credits & paid funds$415,079The complete starting cash picture.
Estimated remaining funds due at closing
$415,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,663.22
Your down payment$400,663.22
Closing costs + prepaids$14,415.35
Total buyer cash needed$415,078.58
Remaining funds due$415,078.58
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)$330.00
Prepaid interest, first (12 days)$330.35
Fees + prepaids$14,415.35
Your down payment is the seller’s equity. You take over the $249,337 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $415,078.58 is due at closing. Uses and sources reconcile at $664,415.35 each. Not a Closing Disclosure.