Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,252,322Cash toward the purchase price.
Closing costs + prepaids$44,170Not just lender fees.
Before credits & paid funds$2,296,492The complete starting cash picture.
Estimated remaining funds due at closing
$2,296,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,252,321.95
Your down payment$2,252,321.95
Closing costs + prepaids$44,169.84
Total buyer cash needed$2,296,491.79
Remaining funds due$2,296,491.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$31,500.00
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)$3,009.00
Initial HOA (3 months)$18.75
Prepaid interest, first (28 days)$2,417.09
Fees + prepaids$44,169.84
Your down payment is the seller’s equity. You take over the $897,678 balance, so the rest of the $3,150,000 price is paid at closing. A second mortgage can cover part of it. $2,296,491.79 is due at closing. Uses and sources reconcile at $3,194,169.84 each. Not a Closing Disclosure.