Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,417,316Cash toward the purchase price.
Closing costs + prepaids$31,200Not just lender fees.
Before credits & paid funds$1,448,516The complete starting cash picture.
Estimated remaining funds due at closing
$1,448,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,417,316.25
Your down payment$1,417,316.25
Closing costs + prepaids$31,199.84
Total buyer cash needed$1,448,516.09
Remaining funds due$1,448,516.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$17,999.99
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)$4,500.00
Initial HOA (3 months)$435.00
Prepaid interest, first (29 days)$1,039.85
Fees + prepaids$31,199.84
Your down payment is the seller’s equity. You take over the $382,683 balance, so the rest of the $1,799,999 price is paid at closing. A second mortgage can cover part of it. $1,448,516.09 is due at closing. Uses and sources reconcile at $1,831,198.84 each. Not a Closing Disclosure.