Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$446,518Cash toward the purchase price.
Closing costs + prepaids$14,033Not just lender fees.
Before credits & paid funds$460,551The complete starting cash picture.
Estimated remaining funds due at closing
$460,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,518.04
Your down payment$446,518.04
Closing costs + prepaids$14,033.07
Total buyer cash needed$460,551.11
Remaining funds due$460,551.11
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)$768.50
Initial HOA (3 months)$117.00
Prepaid interest, first (1 days)$22.57
Fees + prepaids$14,033.07
Your down payment is the seller’s equity. You take over the $218,482 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $460,551.11 is due at closing. Uses and sources reconcile at $679,033.07 each. Not a Closing Disclosure.