Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$220,878Cash toward the purchase price.
Closing costs + prepaids$15,987Not just lender fees.
Before credits & paid funds$236,865The complete starting cash picture.
Estimated remaining funds due at closing
$236,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,878.11
Your down payment$220,878.11
Closing costs + prepaids$15,986.69
Total buyer cash needed$236,864.80
Remaining funds due$236,864.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.00
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)$1,649.75
Prepaid interest, first (28 days)$1,262.94
Fees + prepaids$15,986.69
Your down payment is the seller’s equity. You take over the $439,022 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $236,864.80 is due at closing. Uses and sources reconcile at $675,886.69 each. Not a Closing Disclosure.