Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$455,813Cash toward the purchase price.
Closing costs + prepaids$15,283Not just lender fees.
Before credits & paid funds$471,095The complete starting cash picture.
Estimated remaining funds due at closing
$471,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$455,812.68
Your down payment$455,812.68
Closing costs + prepaids$15,282.68
Total buyer cash needed$471,095.36
Remaining funds due$471,095.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,610.00
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)$1,652.50
Prepaid interest, first (26 days)$545.18
Fees + prepaids$15,282.68
Your down payment is the seller’s equity. You take over the $205,187 balance, so the rest of the $661,000 price is paid at closing. A second mortgage can cover part of it. $471,095.36 is due at closing. Uses and sources reconcile at $676,282.68 each. Not a Closing Disclosure.