Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,041Cash toward the purchase price.
Closing costs + prepaids$14,000Not just lender fees.
Before credits & paid funds$140,041The complete starting cash picture.
Estimated remaining funds due at closing
$140,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,040.68
Your down payment$126,040.68
Closing costs + prepaids$13,999.92
Total buyer cash needed$140,040.61
Remaining funds due$140,040.61
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)$569.75
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$95.17
Fees + prepaids$13,999.92
Your down payment is the seller’s equity. You take over the $523,959 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $140,040.61 is due at closing. Uses and sources reconcile at $663,999.92 each. Not a Closing Disclosure.