Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,232,781Cash toward the purchase price.
Closing costs + prepaids$36,320Not just lender fees.
Before credits & paid funds$2,269,101The complete starting cash picture.
Estimated remaining funds due at closing
$2,269,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,232,780.59
Your down payment$2,232,780.59
Closing costs + prepaids$36,320.31
Total buyer cash needed$2,269,100.89
Remaining funds due$2,269,100.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$23,000.00
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)$5,750.00
Prepaid interest, first (25 days)$345.31
Fees + prepaids$36,320.31
Your down payment is the seller’s equity. You take over the $67,219 balance, so the rest of the $2,300,000 price is paid at closing. A second mortgage can cover part of it. $2,269,100.89 is due at closing. Uses and sources reconcile at $2,336,320.31 each. Not a Closing Disclosure.