Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$118,892Cash toward the purchase price.
Closing costs + prepaids$7,526Not just lender fees.
Before credits & paid funds$126,419The complete starting cash picture.
Estimated remaining funds due at closing
$126,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,892.42
Your down payment$118,892.42
Closing costs + prepaids$7,526.24
Total buyer cash needed$126,418.66
Remaining funds due$126,418.66
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)$28.25
Prepaid interest, first (20 days)$22.99
Fees + prepaids$7,526.24
Your down payment is the seller’s equity. You take over the $6,108 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $126,418.66 is due at closing. Uses and sources reconcile at $132,526.24 each. Not a Closing Disclosure.