Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$66,339Cash toward the purchase price.
Closing costs + prepaids$14,663Not just lender fees.
Before credits & paid funds$81,002The complete starting cash picture.
Estimated remaining funds due at closing
$81,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,339.15
Your down payment$66,339.15
Closing costs + prepaids$14,662.58
Total buyer cash needed$81,001.73
Remaining funds due$81,001.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,720.00
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)$806.50
Prepaid interest, first (6 days)$661.08
Fees + prepaids$14,662.58
Your down payment is the seller’s equity. You take over the $605,661 balance, so the rest of the $672,000 price is paid at closing. A second mortgage can cover part of it. $81,001.73 is due at closing. Uses and sources reconcile at $686,662.58 each. Not a Closing Disclosure.