Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$144,911Cash toward the purchase price.
Closing costs + prepaids$14,288Not just lender fees.
Before credits & paid funds$159,199The complete starting cash picture.
Estimated remaining funds due at closing
$159,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,910.73
Your down payment$144,910.73
Closing costs + prepaids$14,288.01
Total buyer cash needed$159,198.74
Remaining funds due$159,198.74
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)$39.99
Prepaid interest, first (12 days)$381.02
Fees + prepaids$14,288.01
Your down payment is the seller’s equity. You take over the $515,089 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $159,198.74 is due at closing. Uses and sources reconcile at $674,288.01 each. Not a Closing Disclosure.