Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,221Cash toward the purchase price.
Closing costs + prepaids$18,858Not just lender fees.
Before credits & paid funds$68,079The complete starting cash picture.
Estimated remaining funds due at closing
$68,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,221.26
Your down payment$49,221.26
Closing costs + prepaids$18,857.95
Total buyer cash needed$68,079.21
Remaining funds due$68,079.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,650.00
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)$1,662.50
Initial HOA (3 months)$1,194.00
Prepaid interest, first (25 days)$2,876.45
Fees + prepaids$18,857.95
Your down payment is the seller’s equity. You take over the $615,779 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $68,079.21 is due at closing. Uses and sources reconcile at $683,857.95 each. Not a Closing Disclosure.