Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$339,339Cash toward the purchase price.
Closing costs + prepaids$15,191Not just lender fees.
Before credits & paid funds$354,530The complete starting cash picture.
Estimated remaining funds due at closing
$354,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,339.14
Your down payment$339,339.14
Closing costs + prepaids$15,190.56
Total buyer cash needed$354,529.70
Remaining funds due$354,529.70
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)$1,447.25
Initial HOA (3 months)$39.99
Prepaid interest, first (24 days)$628.32
Fees + prepaids$15,190.56
Your down payment is the seller’s equity. You take over the $320,661 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $354,529.70 is due at closing. Uses and sources reconcile at $675,190.56 each. Not a Closing Disclosure.