Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$251,559Cash toward the purchase price.
Closing costs + prepaids$17,506Not just lender fees.
Before credits & paid funds$269,064The complete starting cash picture.
Estimated remaining funds due at closing
$269,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,558.61
Your down payment$251,558.61
Closing costs + prepaids$17,505.57
Total buyer cash needed$269,064.17
Remaining funds due$269,064.17
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)$1,650.00
Initial HOA (3 months)$609.00
Prepaid interest, first (31 days)$2,171.57
Fees + prepaids$17,505.57
Your down payment is the seller’s equity. You take over the $408,441 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $269,064.17 is due at closing. Uses and sources reconcile at $677,505.57 each. Not a Closing Disclosure.