Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,629,056Cash toward the purchase price.
Closing costs + prepaids$24,823Not just lender fees.
Before credits & paid funds$1,653,879The complete starting cash picture.
Estimated remaining funds due at closing
$1,653,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,629,055.98
Your down payment$1,629,055.98
Closing costs + prepaids$24,823.15
Total buyer cash needed$1,653,879.13
Remaining funds due$1,653,879.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,500.00
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)$1,001.75
Prepaid interest, first (25 days)$96.40
Fees + prepaids$24,823.15
Your down payment is the seller’s equity. You take over the $20,944 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $1,653,879.13 is due at closing. Uses and sources reconcile at $1,674,823.15 each. Not a Closing Disclosure.