Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,350Cash toward the purchase price.
Closing costs + prepaids$8,507Not just lender fees.
Before credits & paid funds$37,857The complete starting cash picture.
Estimated remaining funds due at closing
$37,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,350.07
Your down payment$29,350.07
Closing costs + prepaids$8,507.31
Total buyer cash needed$37,857.37
Remaining funds due$37,857.37
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)$774.75
Initial HOA (3 months)$50.01
Prepaid interest, first (24 days)$207.55
Fees + prepaids$8,507.31
Your down payment is the seller’s equity. You take over the $95,650 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $37,857.37 is due at closing. Uses and sources reconcile at $133,507.31 each. Not a Closing Disclosure.