Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$448,521Cash toward the purchase price.
Closing costs + prepaids$14,944Not just lender fees.
Before credits & paid funds$463,465The complete starting cash picture.
Estimated remaining funds due at closing
$463,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,520.98
Your down payment$448,520.98
Closing costs + prepaids$14,943.70
Total buyer cash needed$463,464.69
Remaining funds due$463,464.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,600.00
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)$1,183.25
Initial HOA (3 months)$237.00
Prepaid interest, first (20 days)$448.45
Fees + prepaids$14,943.70
Your down payment is the seller’s equity. You take over the $211,479 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $463,464.69 is due at closing. Uses and sources reconcile at $674,943.70 each. Not a Closing Disclosure.