Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$222,654Cash toward the purchase price.
Closing costs + prepaids$16,270Not just lender fees.
Before credits & paid funds$238,924The complete starting cash picture.
Estimated remaining funds due at closing
$238,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,653.99
Your down payment$222,653.99
Closing costs + prepaids$16,269.91
Total buyer cash needed$238,923.90
Remaining funds due$238,923.90
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)$525.00
Prepaid interest, first (28 days)$1,019.91
Fees + prepaids$16,269.91
Your down payment is the seller’s equity. You take over the $437,346 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $238,923.90 is due at closing. Uses and sources reconcile at $676,269.91 each. Not a Closing Disclosure.