Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,263,490Cash toward the purchase price.
Closing costs + prepaids$60,311Not just lender fees.
Before credits & paid funds$4,323,801The complete starting cash picture.
Estimated remaining funds due at closing
$4,323,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,263,489.79
Your down payment$4,263,489.79
Closing costs + prepaids$60,311.29
Total buyer cash needed$4,323,801.08
Remaining funds due$4,323,801.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$49,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (24 days)$3,186.29
Fees + prepaids$60,311.29
Your down payment is the seller’s equity. You take over the $726,510 balance, so the rest of the $4,990,000 price is paid at closing. A second mortgage can cover part of it. $4,323,801.08 is due at closing. Uses and sources reconcile at $5,050,311.29 each. Not a Closing Disclosure.