Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$71,137Cash toward the purchase price.
Closing costs + prepaids$7,738Not just lender fees.
Before credits & paid funds$78,875The complete starting cash picture.
Estimated remaining funds due at closing
$78,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,137.39
Your down payment$71,137.39
Closing costs + prepaids$7,737.72
Total buyer cash needed$78,875.11
Remaining funds due$78,875.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$156.25
Prepaid interest, first (15 days)$106.47
Fees + prepaids$7,737.72
Your down payment is the seller’s equity. You take over the $53,863 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $78,875.11 is due at closing. Uses and sources reconcile at $132,737.72 each. Not a Closing Disclosure.