Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,176,814Cash toward the purchase price.
Closing costs + prepaids$29,926Not just lender fees.
Before credits & paid funds$1,206,740The complete starting cash picture.
Estimated remaining funds due at closing
$1,206,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,176,813.52
Your down payment$1,176,813.52
Closing costs + prepaids$29,926.32
Total buyer cash needed$1,206,739.83
Remaining funds due$1,206,739.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,900.00
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)$4,225.00
Initial HOA (3 months)$582.00
Prepaid interest, first (26 days)$994.32
Fees + prepaids$29,926.32
Your down payment is the seller’s equity. You take over the $513,186 balance, so the rest of the $1,690,000 price is paid at closing. A second mortgage can cover part of it. $1,206,739.83 is due at closing. Uses and sources reconcile at $1,719,926.32 each. Not a Closing Disclosure.