Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,949Cash toward the purchase price.
Closing costs + prepaids$13,341Not just lender fees.
Before credits & paid funds$137,290The complete starting cash picture.
Estimated remaining funds due at closing
$137,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,948.59
Your down payment$123,948.59
Closing costs + prepaids$13,341.33
Total buyer cash needed$137,289.92
Remaining funds due$137,289.92
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)$271.50
Prepaid interest, first (1 days)$94.83
Fees + prepaids$13,341.33
Your down payment is the seller’s equity. You take over the $526,051 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $137,289.92 is due at closing. Uses and sources reconcile at $663,341.33 each. Not a Closing Disclosure.