Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,689,486Cash toward the purchase price.
Closing costs + prepaids$32,676Not just lender fees.
Before credits & paid funds$1,722,162The complete starting cash picture.
Estimated remaining funds due at closing
$1,722,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,689,485.53
Your down payment$1,689,485.53
Closing costs + prepaids$32,676.10
Total buyer cash needed$1,722,161.63
Remaining funds due$1,722,161.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,950.00
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)$4,987.50
Prepaid interest, first (26 days)$513.60
Fees + prepaids$32,676.10
Your down payment is the seller’s equity. You take over the $305,514 balance, so the rest of the $1,995,000 price is paid at closing. A second mortgage can cover part of it. $1,722,161.63 is due at closing. Uses and sources reconcile at $2,027,676.10 each. Not a Closing Disclosure.