Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$447,909Cash toward the purchase price.
Closing costs + prepaids$14,518Not just lender fees.
Before credits & paid funds$462,427The complete starting cash picture.
Estimated remaining funds due at closing
$462,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,908.89
Your down payment$447,908.89
Closing costs + prepaids$14,517.74
Total buyer cash needed$462,426.62
Remaining funds due$462,426.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,600.00
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)$1,183.25
Initial HOA (3 months)$237.00
Prepaid interest, first (1 days)$22.49
Fees + prepaids$14,517.74
Your down payment is the seller’s equity. You take over the $212,091 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $462,426.62 is due at closing. Uses and sources reconcile at $674,517.74 each. Not a Closing Disclosure.