Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$251,787Cash toward the purchase price.
Closing costs + prepaids$14,068Not just lender fees.
Before credits & paid funds$265,856The complete starting cash picture.
Estimated remaining funds due at closing
$265,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,787.45
Your down payment$251,787.45
Closing costs + prepaids$14,068.12
Total buyer cash needed$265,855.56
Remaining funds due$265,855.56
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 (10 days)$313.12
Fees + prepaids$14,068.12
Your down payment is the seller’s equity. You take over the $398,213 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $265,855.56 is due at closing. Uses and sources reconcile at $664,068.12 each. Not a Closing Disclosure.