Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,427,122Cash toward the purchase price.
Closing costs + prepaids$36,345Not just lender fees.
Before credits & paid funds$2,463,467The complete starting cash picture.
Estimated remaining funds due at closing
$2,463,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,427,121.87
Your down payment$2,427,121.87
Closing costs + prepaids$36,344.83
Total buyer cash needed$2,463,466.70
Remaining funds due$2,463,466.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$28,000.00
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)$358.75
Prepaid interest, first (25 days)$761.08
Fees + prepaids$36,344.83
Your down payment is the seller’s equity. You take over the $372,878 balance, so the rest of the $2,800,000 price is paid at closing. A second mortgage can cover part of it. $2,463,466.70 is due at closing. Uses and sources reconcile at $2,836,344.83 each. Not a Closing Disclosure.