Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$111,429Cash toward the purchase price.
Closing costs + prepaids$17,493Not just lender fees.
Before credits & paid funds$128,922The complete starting cash picture.
Estimated remaining funds due at closing
$128,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,428.84
Your down payment$111,428.84
Closing costs + prepaids$17,492.92
Total buyer cash needed$128,921.76
Remaining funds due$128,921.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,650.00
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)$1,722.00
Prepaid interest, first (26 days)$2,645.92
Fees + prepaids$17,492.92
Your down payment is the seller’s equity. You take over the $553,571 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $128,921.76 is due at closing. Uses and sources reconcile at $682,492.92 each. Not a Closing Disclosure.