Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$35,999Cash toward the purchase price.
Closing costs + prepaids$7,876Not just lender fees.
Before credits & paid funds$43,875The complete starting cash picture.
Estimated remaining funds due at closing
$43,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,998.90
Your down payment$35,998.90
Closing costs + prepaids$7,876.17
Total buyer cash needed$43,875.07
Remaining funds due$43,875.07
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)$318.75
Prepaid interest, first (5 days)$82.42
Fees + prepaids$7,876.17
Your down payment is the seller’s equity. You take over the $89,001 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $43,875.07 is due at closing. Uses and sources reconcile at $132,876.17 each. Not a Closing Disclosure.