Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$106,734Cash toward the purchase price.
Closing costs + prepaids$14,331Not just lender fees.
Before credits & paid funds$121,065The complete starting cash picture.
Estimated remaining funds due at closing
$121,065No 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$14,330.60
Total buyer cash needed$121,064.58
Remaining funds due$121,064.58
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 (26 days)$1,971.85
Fees + prepaids$14,330.60
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. $121,064.58 is due at closing. Uses and sources reconcile at $537,330.60 each. Not a Closing Disclosure.