Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,628,504Cash toward the purchase price.
Closing costs + prepaids$28,273Not just lender fees.
Before credits & paid funds$1,656,777The complete starting cash picture.
Estimated remaining funds due at closing
$1,656,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,628,503.89
Your down payment$1,628,503.89
Closing costs + prepaids$28,272.66
Total buyer cash needed$1,656,776.55
Remaining funds due$1,656,776.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,750.00
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)$4,187.50
Prepaid interest, first (23 days)$110.16
Fees + prepaids$28,272.66
Your down payment is the seller’s equity. You take over the $46,496 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $1,656,776.55 is due at closing. Uses and sources reconcile at $1,703,272.66 each. Not a Closing Disclosure.