Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,837Cash toward the purchase price.
Closing costs + prepaids$7,837Not just lender fees.
Before credits & paid funds$106,674The complete starting cash picture.
Estimated remaining funds due at closing
$106,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,837.43
Your down payment$98,837.43
Closing costs + prepaids$7,836.85
Total buyer cash needed$106,674.28
Remaining funds due$106,674.28
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)$234.75
Prepaid interest, first (31 days)$127.10
Fees + prepaids$7,836.85
Your down payment is the seller’s equity. You take over the $26,163 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $106,674.28 is due at closing. Uses and sources reconcile at $132,836.85 each. Not a Closing Disclosure.