Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$20,312Cash toward the purchase price.
Closing costs + prepaids$14,848Not just lender fees.
Before credits & paid funds$35,160The complete starting cash picture.
Estimated remaining funds due at closing
$35,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,311.90
Your down payment$20,311.90
Closing costs + prepaids$14,847.94
Total buyer cash needed$35,159.84
Remaining funds due$35,159.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$198.00
Prepaid interest, first (6 days)$727.94
Fees + prepaids$14,847.94
Your down payment is the seller’s equity. You take over the $644,588 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $35,159.84 is due at closing. Uses and sources reconcile at $679,747.94 each. Not a Closing Disclosure.