Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$69,278Cash toward the purchase price.
Closing costs + prepaids$7,734Not just lender fees.
Before credits & paid funds$77,012The complete starting cash picture.
Estimated remaining funds due at closing
$77,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,277.75
Your down payment$69,277.75
Closing costs + prepaids$7,734.30
Total buyer cash needed$77,012.05
Remaining funds due$77,012.05
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)$103.05
Fees + prepaids$7,734.30
Your down payment is the seller’s equity. You take over the $55,722 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $77,012.05 is due at closing. Uses and sources reconcile at $132,734.30 each. Not a Closing Disclosure.