Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,831,055Cash toward the purchase price.
Closing costs + prepaids$32,217Not just lender fees.
Before credits & paid funds$1,863,271The complete starting cash picture.
Estimated remaining funds due at closing
$1,863,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,831,054.91
Your down payment$1,831,054.91
Closing costs + prepaids$32,216.56
Total buyer cash needed$1,863,271.47
Remaining funds due$1,863,271.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$20,890.00
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)$3,488.50
Prepaid interest, first (25 days)$613.06
Fees + prepaids$32,216.56
Your down payment is the seller’s equity. You take over the $257,945 balance, so the rest of the $2,089,000 price is paid at closing. A second mortgage can cover part of it. $1,863,271.47 is due at closing. Uses and sources reconcile at $2,121,216.56 each. Not a Closing Disclosure.