Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$145,436Cash toward the purchase price.
Closing costs + prepaids$14,870Not just lender fees.
Before credits & paid funds$160,306The complete starting cash picture.
Estimated remaining funds due at closing
$160,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,436.17
Your down payment$145,436.17
Closing costs + prepaids$14,869.74
Total buyer cash needed$160,305.91
Remaining funds due$160,305.91
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
Prepaid interest, first (12 days)$1,114.74
Fees + prepaids$14,869.74
Your down payment is the seller’s equity. You take over the $504,564 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $160,305.91 is due at closing. Uses and sources reconcile at $664,869.74 each. Not a Closing Disclosure.