Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$119,835Cash toward the purchase price.
Closing costs + prepaids$14,949Not just lender fees.
Before credits & paid funds$134,784The complete starting cash picture.
Estimated remaining funds due at closing
$134,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,834.59
Your down payment$119,834.59
Closing costs + prepaids$14,948.96
Total buyer cash needed$134,783.55
Remaining funds due$134,783.55
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)$1,193.96
Fees + prepaids$14,948.96
Your down payment is the seller’s equity. You take over the $530,165 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $134,783.55 is due at closing. Uses and sources reconcile at $664,948.96 each. Not a Closing Disclosure.