Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,039,787Cash toward the purchase price.
Closing costs + prepaids$52,245Not just lender fees.
Before credits & paid funds$3,092,032The complete starting cash picture.
Estimated remaining funds due at closing
$3,092,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,039,787.48
Your down payment$3,039,787.48
Closing costs + prepaids$52,244.77
Total buyer cash needed$3,092,032.25
Remaining funds due$3,092,032.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$34,990.00
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)$8,747.50
Prepaid interest, first (26 days)$1,282.27
Fees + prepaids$52,244.77
Your down payment is the seller’s equity. You take over the $459,213 balance, so the rest of the $3,499,000 price is paid at closing. A second mortgage can cover part of it. $3,092,032.25 is due at closing. Uses and sources reconcile at $3,551,244.77 each. Not a Closing Disclosure.