Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$448,521Cash toward the purchase price.
Closing costs + prepaids$14,328Not just lender fees.
Before credits & paid funds$462,849The complete starting cash picture.
Estimated remaining funds due at closing
$462,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,520.98
Your down payment$448,520.98
Closing costs + prepaids$14,328.23
Total buyer cash needed$462,849.21
Remaining funds due$462,849.21
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)$792.00
Initial HOA (3 months)$237.00
Prepaid interest, first (10 days)$224.23
Fees + prepaids$14,328.23
Your down payment is the seller’s equity. You take over the $211,479 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $462,849.21 is due at closing. Uses and sources reconcile at $674,328.23 each. Not a Closing Disclosure.