Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$67,130Cash toward the purchase price.
Closing costs + prepaids$8,103Not just lender fees.
Before credits & paid funds$75,233The complete starting cash picture.
Estimated remaining funds due at closing
$75,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,130.25
Your down payment$67,130.25
Closing costs + prepaids$8,102.61
Total buyer cash needed$75,232.86
Remaining funds due$75,232.86
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)$253.75
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$178.86
Fees + prepaids$8,102.61
Your down payment is the seller’s equity. You take over the $57,870 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $75,232.86 is due at closing. Uses and sources reconcile at $133,102.61 each. Not a Closing Disclosure.