Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,594Cash toward the purchase price.
Closing costs + prepaids$18,373Not just lender fees.
Before credits & paid funds$60,967The complete starting cash picture.
Estimated remaining funds due at closing
$60,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,594.10
Your down payment$42,594.10
Closing costs + prepaids$18,373.09
Total buyer cash needed$60,967.19
Remaining funds due$60,967.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,670.00
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)$1,353.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$3,574.34
Fees + prepaids$18,373.09
Your down payment is the seller’s equity. You take over the $624,406 balance, so the rest of the $667,000 price is paid at closing. A second mortgage can cover part of it. $60,967.19 is due at closing. Uses and sources reconcile at $685,373.09 each. Not a Closing Disclosure.