Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$94,091Cash toward the purchase price.
Closing costs + prepaids$18,840Not just lender fees.
Before credits & paid funds$112,931The complete starting cash picture.
Estimated remaining funds due at closing
$112,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,090.99
Your down payment$94,090.99
Closing costs + prepaids$18,840.24
Total buyer cash needed$112,931.24
Remaining funds due$112,931.24
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)$2,304.25
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$3,325.99
Fees + prepaids$18,840.24
Your down payment is the seller’s equity. You take over the $565,909 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $112,931.24 is due at closing. Uses and sources reconcile at $678,840.24 each. Not a Closing Disclosure.