Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$141,517Cash toward the purchase price.
Closing costs + prepaids$17,141Not just lender fees.
Before credits & paid funds$158,658The complete starting cash picture.
Estimated remaining funds due at closing
$158,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,516.90
Your down payment$141,516.90
Closing costs + prepaids$17,141.21
Total buyer cash needed$158,658.11
Remaining funds due$158,658.11
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)$165.00
Prepaid interest, first (28 days)$2,251.21
Fees + prepaids$17,141.21
Your down payment is the seller’s equity. You take over the $518,483 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $158,658.11 is due at closing. Uses and sources reconcile at $677,141.21 each. Not a Closing Disclosure.