Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$61,957Cash toward the purchase price.
Closing costs + prepaids$8,022Not just lender fees.
Before credits & paid funds$69,979The complete starting cash picture.
Estimated remaining funds due at closing
$69,979No 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$8,022.46
Total buyer cash needed$69,979.47
Remaining funds due$69,979.47
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 (26 days)$165.71
Fees + prepaids$8,022.46
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. $69,979.47 is due at closing. Uses and sources reconcile at $133,022.46 each. Not a Closing Disclosure.