Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,363Cash toward the purchase price.
Closing costs + prepaids$16,611Not just lender fees.
Before credits & paid funds$167,975The complete starting cash picture.
Estimated remaining funds due at closing
$167,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,363.49
Your down payment$151,363.49
Closing costs + prepaids$16,611.38
Total buyer cash needed$167,974.86
Remaining funds due$167,974.86
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)$530.25
Prepaid interest, first (31 days)$2,957.13
Fees + prepaids$16,611.38
Your down payment is the seller’s equity. You take over the $513,537 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $167,974.86 is due at closing. Uses and sources reconcile at $681,511.38 each. Not a Closing Disclosure.