Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,502,435Cash toward the purchase price.
Closing costs + prepaids$33,349Not just lender fees.
Before credits & paid funds$1,535,784The complete starting cash picture.
Estimated remaining funds due at closing
$1,535,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,502,435.04
Your down payment$1,502,435.04
Closing costs + prepaids$33,348.94
Total buyer cash needed$1,535,783.98
Remaining funds due$1,535,783.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,990.95
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)$4,997.75
Prepaid interest, first (27 days)$1,135.24
Fees + prepaids$33,348.94
Your down payment is the seller’s equity. You take over the $496,660 balance, so the rest of the $1,999,095 price is paid at closing. A second mortgage can cover part of it. $1,535,783.98 is due at closing. Uses and sources reconcile at $2,032,443.94 each. Not a Closing Disclosure.