Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,600,900Cash toward the purchase price.
Closing costs + prepaids$28,162Not just lender fees.
Before credits & paid funds$1,629,061The complete starting cash picture.
Estimated remaining funds due at closing
$1,629,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,600,899.61
Your down payment$1,600,899.61
Closing costs + prepaids$28,161.81
Total buyer cash needed$1,629,061.42
Remaining funds due$1,629,061.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,490.00
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)$4,122.50
Initial HOA (3 months)$96.00
Prepaid interest, first (25 days)$228.31
Fees + prepaids$28,161.81
Your down payment is the seller’s equity. You take over the $48,100 balance, so the rest of the $1,649,000 price is paid at closing. A second mortgage can cover part of it. $1,629,061.42 is due at closing. Uses and sources reconcile at $1,677,161.81 each. Not a Closing Disclosure.