Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,496,359Cash toward the purchase price.
Closing costs + prepaids$35,272Not just lender fees.
Before credits & paid funds$1,531,631The complete starting cash picture.
Estimated remaining funds due at closing
$1,531,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,496,359.18
Your down payment$1,496,359.18
Closing costs + prepaids$35,272.15
Total buyer cash needed$1,531,631.33
Remaining funds due$1,531,631.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$24,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$601.25
Prepaid interest, first (28 days)$2,545.90
Fees + prepaids$35,272.15
Your down payment is the seller’s equity. You take over the $993,641 balance, so the rest of the $2,490,000 price is paid at closing. A second mortgage can cover part of it. $1,531,631.33 is due at closing. Uses and sources reconcile at $2,525,272.15 each. Not a Closing Disclosure.