Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$295,685Cash toward the purchase price.
Closing costs + prepaids$15,307Not just lender fees.
Before credits & paid funds$310,992The complete starting cash picture.
Estimated remaining funds due at closing
$310,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,684.67
Your down payment$295,684.67
Closing costs + prepaids$15,306.87
Total buyer cash needed$310,991.54
Remaining funds due$310,991.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,650.00
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)$1,037.50
Prepaid interest, first (30 days)$1,144.37
Fees + prepaids$15,306.87
Your down payment is the seller’s equity. You take over the $369,315 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $310,991.54 is due at closing. Uses and sources reconcile at $680,306.87 each. Not a Closing Disclosure.