Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,688,924Cash toward the purchase price.
Closing costs + prepaids$28,840Not just lender fees.
Before credits & paid funds$1,717,765The complete starting cash picture.
Estimated remaining funds due at closing
$1,717,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,688,924.38
Your down payment$1,688,924.38
Closing costs + prepaids$28,840.38
Total buyer cash needed$1,717,764.76
Remaining funds due$1,717,764.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,995.00
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)$935.75
Prepaid interest, first (27 days)$684.63
Fees + prepaids$28,840.38
Your down payment is the seller’s equity. You take over the $310,576 balance, so the rest of the $1,999,500 price is paid at closing. A second mortgage can cover part of it. $1,717,764.76 is due at closing. Uses and sources reconcile at $2,028,340.38 each. Not a Closing Disclosure.