Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$106,734Cash toward the purchase price.
Closing costs + prepaids$13,223Not just lender fees.
Before credits & paid funds$119,957The complete starting cash picture.
Estimated remaining funds due at closing
$119,957No 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$13,222.90
Total buyer cash needed$119,956.89
Remaining funds due$119,956.89
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)$627.50
Initial HOA (3 months)$132.00
Prepaid interest, first (10 days)$758.40
Fees + prepaids$13,222.90
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. $119,956.89 is due at closing. Uses and sources reconcile at $536,222.90 each. Not a Closing Disclosure.