Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,639,609Cash toward the purchase price.
Closing costs + prepaids$29,650Not just lender fees.
Before credits & paid funds$1,669,259The complete starting cash picture.
Estimated remaining funds due at closing
$1,669,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,639,608.83
Your down payment$1,639,608.83
Closing costs + prepaids$29,650.44
Total buyer cash needed$1,669,259.28
Remaining funds due$1,669,259.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$17,500.00
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)$4,375.00
Prepaid interest, first (28 days)$550.44
Fees + prepaids$29,650.44
Your down payment is the seller’s equity. You take over the $110,391 balance, so the rest of the $1,750,000 price is paid at closing. A second mortgage can cover part of it. $1,669,259.28 is due at closing. Uses and sources reconcile at $1,779,650.44 each. Not a Closing Disclosure.