Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,076Cash toward the purchase price.
Closing costs + prepaids$17,223Not just lender fees.
Before credits & paid funds$69,300The complete starting cash picture.
Estimated remaining funds due at closing
$69,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,076.14
Your down payment$52,076.14
Closing costs + prepaids$17,223.47
Total buyer cash needed$69,299.61
Remaining funds due$69,299.61
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)$815.00
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$3,178.47
Fees + prepaids$17,223.47
Your down payment is the seller’s equity. You take over the $612,924 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $69,299.61 is due at closing. Uses and sources reconcile at $682,223.47 each. Not a Closing Disclosure.