Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,426,097Cash toward the purchase price.
Closing costs + prepaids$45,295Not just lender fees.
Before credits & paid funds$2,471,392The complete starting cash picture.
Estimated remaining funds due at closing
$2,471,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,426,096.98
Your down payment$2,426,096.98
Closing costs + prepaids$45,294.89
Total buyer cash needed$2,471,391.86
Remaining funds due$2,471,391.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$28,990.00
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)$7,247.50
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$1,292.39
Fees + prepaids$45,294.89
Your down payment is the seller’s equity. You take over the $472,903 balance, so the rest of the $2,899,000 price is paid at closing. A second mortgage can cover part of it. $2,471,391.86 is due at closing. Uses and sources reconcile at $2,944,294.89 each. Not a Closing Disclosure.