Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$384,766Cash toward the purchase price.
Closing costs + prepaids$13,987Not just lender fees.
Before credits & paid funds$398,753The complete starting cash picture.
Estimated remaining funds due at closing
$398,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,766.46
Your down payment$384,766.46
Closing costs + prepaids$13,986.58
Total buyer cash needed$398,753.04
Remaining funds due$398,753.04
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)$449.75
Prepaid interest, first (18 days)$411.83
Fees + prepaids$13,986.58
Your down payment is the seller’s equity. You take over the $280,234 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $398,753.04 is due at closing. Uses and sources reconcile at $678,986.58 each. Not a Closing Disclosure.