Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$106,734Cash toward the purchase price.
Closing costs + prepaids$13,800Not just lender fees.
Before credits & paid funds$120,534The complete starting cash picture.
Estimated remaining funds due at closing
$120,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,733.99
Your down payment$106,733.99
Closing costs + prepaids$13,799.71
Total buyer cash needed$120,533.70
Remaining funds due$120,533.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,230.00
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)$521.75
Initial HOA (3 months)$132.00
Prepaid interest, first (19 days)$1,440.96
Fees + prepaids$13,799.71
Your down payment is the seller’s equity. You take over the $416,266 balance, so the rest of the $523,000 price is paid at closing. A second mortgage can cover part of it. $120,533.70 is due at closing. Uses and sources reconcile at $536,799.71 each. Not a Closing Disclosure.