Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$118,892Cash toward the purchase price.
Closing costs + prepaids$7,636Not just lender fees.
Before credits & paid funds$126,529The complete starting cash picture.
Estimated remaining funds due at closing
$126,529No 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$7,636.50
Total buyer cash needed$126,528.91
Remaining funds due$126,528.91
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)$150.00
Prepaid interest, first (10 days)$11.50
Fees + prepaids$7,636.50
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. $126,528.91 is due at closing. Uses and sources reconcile at $132,636.50 each. Not a Closing Disclosure.