Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,514,878Cash toward the purchase price.
Closing costs + prepaids$31,130Not just lender fees.
Before credits & paid funds$1,546,008The complete starting cash picture.
Estimated remaining funds due at closing
$1,546,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,514,878.05
Your down payment$1,514,878.05
Closing costs + prepaids$31,130.05
Total buyer cash needed$1,546,008.10
Remaining funds due$1,546,008.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$18,500.00
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)$4,625.00
Prepaid interest, first (24 days)$780.05
Fees + prepaids$31,130.05
Your down payment is the seller’s equity. You take over the $335,122 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,546,008.10 is due at closing. Uses and sources reconcile at $1,881,130.05 each. Not a Closing Disclosure.