Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$385,607Cash toward the purchase price.
Closing costs + prepaids$38,819Not just lender fees.
Before credits & paid funds$424,426The complete starting cash picture.
Estimated remaining funds due at closing
$424,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,606.98
Your down payment$385,606.98
Closing costs + prepaids$38,819.30
Total buyer cash needed$424,426.29
Remaining funds due$424,426.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$22,500.00
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)$5,625.00
Prepaid interest, first (24 days)$3,469.30
Fees + prepaids$38,819.30
Your down payment is the seller’s equity. You take over the $1,864,393 balance, so the rest of the $2,250,000 price is paid at closing. A second mortgage can cover part of it. $424,426.29 is due at closing. Uses and sources reconcile at $2,288,819.30 each. Not a Closing Disclosure.