Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$180,216Cash toward the purchase price.
Closing costs + prepaids$17,739Not just lender fees.
Before credits & paid funds$197,955The complete starting cash picture.
Estimated remaining funds due at closing
$197,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,215.69
Your down payment$180,215.69
Closing costs + prepaids$17,739.40
Total buyer cash needed$197,955.09
Remaining funds due$197,955.09
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)$1,662.50
Initial HOA (3 months)$660.00
Prepaid interest, first (24 days)$2,291.90
Fees + prepaids$17,739.40
Your down payment is the seller’s equity. You take over the $484,784 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $197,955.09 is due at closing. Uses and sources reconcile at $682,739.40 each. Not a Closing Disclosure.