Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,815,070Cash toward the purchase price.
Closing costs + prepaids$31,211Not just lender fees.
Before credits & paid funds$1,846,281The complete starting cash picture.
Estimated remaining funds due at closing
$1,846,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,815,070.00
Your down payment$1,815,070.00
Closing costs + prepaids$31,211.22
Total buyer cash needed$1,846,281.23
Remaining funds due$1,846,281.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,000.00
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)$4,750.00
Prepaid interest, first (24 days)$236.22
Fees + prepaids$31,211.22
Your down payment is the seller’s equity. You take over the $84,930 balance, so the rest of the $1,900,000 price is paid at closing. A second mortgage can cover part of it. $1,846,281.23 is due at closing. Uses and sources reconcile at $1,931,211.22 each. Not a Closing Disclosure.