Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$26,667Cash toward the purchase price.
Closing costs + prepaids$14,979Not just lender fees.
Before credits & paid funds$41,646The complete starting cash picture.
Estimated remaining funds due at closing
$41,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,666.94
Your down payment$26,666.94
Closing costs + prepaids$14,978.63
Total buyer cash needed$41,645.57
Remaining funds due$41,645.57
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)$255.00
Prepaid interest, first (7 days)$800.63
Fees + prepaids$14,978.63
Your down payment is the seller’s equity. You take over the $638,333 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $41,645.57 is due at closing. Uses and sources reconcile at $679,978.63 each. Not a Closing Disclosure.