Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,353,932Cash toward the purchase price.
Closing costs + prepaids$25,212Not just lender fees.
Before credits & paid funds$1,379,144The complete starting cash picture.
Estimated remaining funds due at closing
$1,379,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,353,932.28
Your down payment$1,353,932.28
Closing costs + prepaids$25,211.94
Total buyer cash needed$1,379,144.22
Remaining funds due$1,379,144.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,950.00
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)$2,387.75
Initial HOA (3 months)$45.00
Prepaid interest, first (27 days)$604.19
Fees + prepaids$25,211.94
Your down payment is the seller’s equity. You take over the $141,068 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $1,379,144.22 is due at closing. Uses and sources reconcile at $1,520,211.94 each. Not a Closing Disclosure.