Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$61,957Cash toward the purchase price.
Closing costs + prepaids$7,971Not just lender fees.
Before credits & paid funds$69,928The complete starting cash picture.
Estimated remaining funds due at closing
$69,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,957.01
Your down payment$61,957.01
Closing costs + prepaids$7,971.47
Total buyer cash needed$69,928.48
Remaining funds due$69,928.48
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)$231.75
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$114.72
Fees + prepaids$7,971.47
Your down payment is the seller’s equity. You take over the $63,043 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $69,928.48 is due at closing. Uses and sources reconcile at $132,971.47 each. Not a Closing Disclosure.