Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$496,874Cash toward the purchase price.
Closing costs + prepaids$13,735Not just lender fees.
Before credits & paid funds$510,609The complete starting cash picture.
Estimated remaining funds due at closing
$510,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$496,874.24
Your down payment$496,874.24
Closing costs + prepaids$13,734.86
Total buyer cash needed$510,609.10
Remaining funds due$510,609.10
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)$589.25
Initial HOA (3 months)$154.50
Prepaid interest, first (1 days)$16.11
Fees + prepaids$13,734.86
Your down payment is the seller’s equity. You take over the $153,126 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $510,609.10 is due at closing. Uses and sources reconcile at $663,734.86 each. Not a Closing Disclosure.