Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$448,521Cash toward the purchase price.
Closing costs + prepaids$15,078Not just lender fees.
Before credits & paid funds$463,599The complete starting cash picture.
Estimated remaining funds due at closing
$463,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,520.98
Your down payment$448,520.98
Closing costs + prepaids$15,078.24
Total buyer cash needed$463,599.22
Remaining funds due$463,599.22
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)$1,183.25
Initial HOA (3 months)$237.00
Prepaid interest, first (26 days)$582.99
Fees + prepaids$15,078.24
Your down payment is the seller’s equity. You take over the $211,479 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $463,599.22 is due at closing. Uses and sources reconcile at $675,078.24 each. Not a Closing Disclosure.