Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$505,825Cash toward the purchase price.
Closing costs + prepaids$15,397Not just lender fees.
Before credits & paid funds$521,222The complete starting cash picture.
Estimated remaining funds due at closing
$521,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,824.93
Your down payment$505,824.93
Closing costs + prepaids$15,396.62
Total buyer cash needed$521,221.55
Remaining funds due$521,221.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$1,103.00
Initial HOA (3 months)$690.00
Prepaid interest, first (31 days)$479.62
Fees + prepaids$15,396.62
Your down payment is the seller’s equity. You take over the $159,075 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $521,221.55 is due at closing. Uses and sources reconcile at $680,296.62 each. Not a Closing Disclosure.