Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,537Cash toward the purchase price.
Closing costs + prepaids$17,210Not just lender fees.
Before credits & paid funds$85,747The complete starting cash picture.
Estimated remaining funds due at closing
$85,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,537.05
Your down payment$68,537.05
Closing costs + prepaids$17,209.72
Total buyer cash needed$85,746.77
Remaining funds due$85,746.77
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)$1,093.25
Prepaid interest, first (27 days)$2,991.47
Fees + prepaids$17,209.72
Your down payment is the seller’s equity. You take over the $596,463 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $85,746.77 is due at closing. Uses and sources reconcile at $682,209.72 each. Not a Closing Disclosure.