Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$123,914Cash toward the purchase price.
Closing costs + prepaids$7,694Not just lender fees.
Before credits & paid funds$131,608The complete starting cash picture.
Estimated remaining funds due at closing
$131,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,913.92
Your down payment$123,913.92
Closing costs + prepaids$7,694.01
Total buyer cash needed$131,607.93
Remaining funds due$131,607.93
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)$216.00
Prepaid interest, first (26 days)$3.01
Fees + prepaids$7,694.01
Your down payment is the seller’s equity. You take over the $1,086 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $131,607.93 is due at closing. Uses and sources reconcile at $132,694.01 each. Not a Closing Disclosure.