Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$419,296Cash toward the purchase price.
Closing costs + prepaids$14,390Not just lender fees.
Before credits & paid funds$433,686The complete starting cash picture.
Estimated remaining funds due at closing
$433,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,296.46
Your down payment$419,296.46
Closing costs + prepaids$14,389.87
Total buyer cash needed$433,686.33
Remaining funds due$433,686.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,600.00
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)$511.25
Prepaid interest, first (18 days)$803.62
Fees + prepaids$14,389.87
Your down payment is the seller’s equity. You take over the $240,704 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $433,686.33 is due at closing. Uses and sources reconcile at $674,389.87 each. Not a Closing Disclosure.