Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,523Cash toward the purchase price.
Closing costs + prepaids$7,801Not just lender fees.
Before credits & paid funds$69,324The complete starting cash picture.
Estimated remaining funds due at closing
$69,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,522.58
Your down payment$61,522.58
Closing costs + prepaids$7,801.44
Total buyer cash needed$69,324.03
Remaining funds due$69,324.03
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)$197.75
Prepaid interest, first (25 days)$128.69
Fees + prepaids$7,801.44
Your down payment is the seller’s equity. You take over the $63,477 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $69,324.03 is due at closing. Uses and sources reconcile at $132,801.44 each. Not a Closing Disclosure.