Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$24,787Cash toward the purchase price.
Closing costs + prepaids$9,149Not just lender fees.
Before credits & paid funds$33,937The complete starting cash picture.
Estimated remaining funds due at closing
$33,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,787.18
Your down payment$24,787.18
Closing costs + prepaids$9,149.35
Total buyer cash needed$33,936.52
Remaining funds due$33,936.52
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
Initial HOA (3 months)$1,314.00
Prepaid interest, first (5 days)$41.60
Fees + prepaids$9,149.35
Your down payment is the seller’s equity. You take over the $100,213 balance, so the rest of the $125,000 price is paid at closing. A second mortgage can cover part of it. $33,936.52 is due at closing. Uses and sources reconcile at $134,149.35 each. Not a Closing Disclosure.