Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,955Cash toward the purchase price.
Closing costs + prepaids$18,454Not just lender fees.
Before credits & paid funds$84,409The complete starting cash picture.
Estimated remaining funds due at closing
$84,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,954.97
Your down payment$65,954.97
Closing costs + prepaids$18,453.68
Total buyer cash needed$84,408.66
Remaining funds due$84,408.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.99
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)$792.00
Prepaid interest, first (26 days)$2,936.69
Fees + prepaids$18,453.68
Your down payment is the seller’s equity. You take over the $594,044 balance, so the rest of the $659,999 price is paid at closing. A second mortgage can cover part of it. $84,408.66 is due at closing. Uses and sources reconcile at $678,452.68 each. Not a Closing Disclosure.