Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$151,363Cash toward the purchase price.
Closing costs + prepaids$14,876Not just lender fees.
Before credits & paid funds$166,239The complete starting cash picture.
Estimated remaining funds due at closing
$166,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,363.49
Your down payment$151,363.49
Closing costs + prepaids$14,875.91
Total buyer cash needed$166,239.40
Remaining funds due$166,239.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$798.00
Prepaid interest, first (10 days)$953.91
Fees + prepaids$14,875.91
Your down payment is the seller’s equity. You take over the $513,537 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $166,239.40 is due at closing. Uses and sources reconcile at $679,775.91 each. Not a Closing Disclosure.