Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$100,543Cash toward the purchase price.
Closing costs + prepaids$14,095Not just lender fees.
Before credits & paid funds$114,637The complete starting cash picture.
Estimated remaining funds due at closing
$114,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,542.81
Your down payment$100,542.81
Closing costs + prepaids$14,094.61
Total buyer cash needed$114,637.42
Remaining funds due$114,637.42
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 (6 days)$339.61
Fees + prepaids$14,094.61
Your down payment is the seller’s equity. You take over the $549,457 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $114,637.42 is due at closing. Uses and sources reconcile at $664,094.61 each. Not a Closing Disclosure.