Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$17,999Cash toward the purchase price.
Closing costs + prepaids$15,333Not just lender fees.
Before credits & paid funds$33,332The complete starting cash picture.
Estimated remaining funds due at closing
$33,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,998.91
Your down payment$17,998.91
Closing costs + prepaids$15,332.70
Total buyer cash needed$33,331.61
Remaining funds due$33,331.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.00
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
Prepaid interest, first (12 days)$1,466.70
Fees + prepaids$15,332.70
Your down payment is the seller’s equity. You take over the $641,901 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $33,331.61 is due at closing. Uses and sources reconcile at $675,232.70 each. Not a Closing Disclosure.