Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,630,756Cash toward the purchase price.
Closing costs + prepaids$36,717Not just lender fees.
Before credits & paid funds$1,667,473The complete starting cash picture.
Estimated remaining funds due at closing
$1,667,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,630,755.92
Your down payment$1,630,755.92
Closing costs + prepaids$36,717.44
Total buyer cash needed$1,667,473.36
Remaining funds due$1,667,473.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$25,000.00
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)$258.25
Initial HOA (3 months)$399.99
Prepaid interest, first (28 days)$3,834.20
Fees + prepaids$36,717.44
Your down payment is the seller’s equity. You take over the $869,244 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,667,473.36 is due at closing. Uses and sources reconcile at $2,536,717.44 each. Not a Closing Disclosure.