Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$303,183Cash toward the purchase price.
Closing costs + prepaids$15,745Not just lender fees.
Before credits & paid funds$318,928The complete starting cash picture.
Estimated remaining funds due at closing
$318,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,183.28
Your down payment$303,183.28
Closing costs + prepaids$15,744.78
Total buyer cash needed$318,928.05
Remaining funds due$318,928.05
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
Prepaid interest, first (29 days)$957.28
Fees + prepaids$15,744.78
Your down payment is the seller’s equity. You take over the $361,817 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $318,928.05 is due at closing. Uses and sources reconcile at $680,744.78 each. Not a Closing Disclosure.