Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$447,196Cash toward the purchase price.
Closing costs + prepaids$14,175Not just lender fees.
Before credits & paid funds$461,371The complete starting cash picture.
Estimated remaining funds due at closing
$461,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,195.81
Your down payment$447,195.81
Closing costs + prepaids$14,174.98
Total buyer cash needed$461,370.79
Remaining funds due$461,370.79
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)$117.00
Prepaid interest, first (6 days)$134.98
Fees + prepaids$14,174.98
Your down payment is the seller’s equity. You take over the $217,804 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $461,370.79 is due at closing. Uses and sources reconcile at $679,174.98 each. Not a Closing Disclosure.