Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$90,760Cash toward the purchase price.
Closing costs + prepaids$15,707Not just lender fees.
Before credits & paid funds$106,467The complete starting cash picture.
Estimated remaining funds due at closing
$106,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,760.49
Your down payment$90,760.49
Closing costs + prepaids$15,706.91
Total buyer cash needed$106,467.39
Remaining funds due$106,467.39
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)$825.00
Initial HOA (3 months)$165.00
Prepaid interest, first (16 days)$1,641.91
Fees + prepaids$15,706.91
Your down payment is the seller’s equity. You take over the $569,240 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $106,467.39 is due at closing. Uses and sources reconcile at $675,706.91 each. Not a Closing Disclosure.