Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$417,784Cash toward the purchase price.
Closing costs + prepaids$15,402Not just lender fees.
Before credits & paid funds$433,185The complete starting cash picture.
Estimated remaining funds due at closing
$433,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,783.52
Your down payment$417,783.52
Closing costs + prepaids$15,401.88
Total buyer cash needed$433,185.40
Remaining funds due$433,185.40
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
Prepaid interest, first (25 days)$676.88
Fees + prepaids$15,401.88
Your down payment is the seller’s equity. You take over the $242,216 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $433,185.40 is due at closing. Uses and sources reconcile at $675,401.88 each. Not a Closing Disclosure.