Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,654,944Cash toward the purchase price.
Closing costs + prepaids$27,607Not just lender fees.
Before credits & paid funds$1,682,551The complete starting cash picture.
Estimated remaining funds due at closing
$1,682,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,654,943.83
Your down payment$1,654,943.83
Closing costs + prepaids$27,606.70
Total buyer cash needed$1,682,550.52
Remaining funds due$1,682,550.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$18,750.00
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)$1,013.25
Prepaid interest, first (23 days)$618.45
Fees + prepaids$27,606.70
Your down payment is the seller’s equity. You take over the $220,056 balance, so the rest of the $1,875,000 price is paid at closing. A second mortgage can cover part of it. $1,682,550.52 is due at closing. Uses and sources reconcile at $1,902,606.70 each. Not a Closing Disclosure.