Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$53,649Cash toward the purchase price.
Closing costs + prepaids$14,499Not just lender fees.
Before credits & paid funds$68,148The complete starting cash picture.
Estimated remaining funds due at closing
$68,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,649.08
Your down payment$53,649.08
Closing costs + prepaids$14,498.93
Total buyer cash needed$68,148.01
Remaining funds due$68,148.01
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
Prepaid interest, first (6 days)$631.93
Fees + prepaids$14,498.93
Your down payment is the seller’s equity. You take over the $606,351 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $68,148.01 is due at closing. Uses and sources reconcile at $674,498.93 each. Not a Closing Disclosure.