Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,667Cash toward the purchase price.
Closing costs + prepaids$15,551Not just lender fees.
Before credits & paid funds$42,217The complete starting cash picture.
Estimated remaining funds due at closing
$42,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,666.94
Your down payment$26,666.94
Closing costs + prepaids$15,550.50
Total buyer cash needed$42,217.45
Remaining funds due$42,217.45
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)$798.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$1,372.50
Fees + prepaids$15,550.50
Your down payment is the seller’s equity. You take over the $638,333 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $42,217.45 is due at closing. Uses and sources reconcile at $680,550.50 each. Not a Closing Disclosure.