Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,912Cash toward the purchase price.
Closing costs + prepaids$15,665Not just lender fees.
Before credits & paid funds$102,577The complete starting cash picture.
Estimated remaining funds due at closing
$102,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,912.14
Your down payment$86,912.14
Closing costs + prepaids$15,664.90
Total buyer cash needed$102,577.04
Remaining funds due$102,577.04
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)$391.75
Prepaid interest, first (28 days)$2,198.15
Fees + prepaids$15,664.90
Your down payment is the seller’s equity. You take over the $573,088 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $102,577.04 is due at closing. Uses and sources reconcile at $675,664.90 each. Not a Closing Disclosure.