Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$106,705Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$121,005The complete starting cash picture.
Estimated remaining funds due at closing
$121,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,704.82
Your down payment$106,704.82
Closing costs + prepaids$14,299.78
Total buyer cash needed$121,004.61
Remaining funds due$121,004.61
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)$544.78
Fees + prepaids$14,299.78
Your down payment is the seller’s equity. You take over the $543,295 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $121,004.61 is due at closing. Uses and sources reconcile at $664,299.78 each. Not a Closing Disclosure.