Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$72,021Cash toward the purchase price.
Closing costs + prepaids$17,476Not just lender fees.
Before credits & paid funds$89,497The complete starting cash picture.
Estimated remaining funds due at closing
$89,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,021.29
Your down payment$72,021.29
Closing costs + prepaids$17,476.02
Total buyer cash needed$89,497.31
Remaining funds due$89,497.31
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)$585.00
Prepaid interest, first (27 days)$2,166.02
Fees + prepaids$17,476.02
Your down payment is the seller’s equity. You take over the $587,979 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $89,497.31 is due at closing. Uses and sources reconcile at $677,476.02 each. Not a Closing Disclosure.