Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,312,286Cash toward the purchase price.
Closing costs + prepaids$24,036Not just lender fees.
Before credits & paid funds$1,336,322The complete starting cash picture.
Estimated remaining funds due at closing
$1,336,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,312,285.98
Your down payment$1,312,285.98
Closing costs + prepaids$24,035.78
Total buyer cash needed$1,336,321.75
Remaining funds due$1,336,321.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,950.00
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)$1,453.50
Prepaid interest, first (24 days)$407.28
Fees + prepaids$24,035.78
Your down payment is the seller’s equity. You take over the $182,714 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $1,336,321.75 is due at closing. Uses and sources reconcile at $1,519,035.78 each. Not a Closing Disclosure.