Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,684,432Cash toward the purchase price.
Closing costs + prepaids$24,736Not just lender fees.
Before credits & paid funds$1,709,168The complete starting cash picture.
Estimated remaining funds due at closing
$1,709,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,684,431.79
Your down payment$1,684,431.79
Closing costs + prepaids$24,736.35
Total buyer cash needed$1,709,168.14
Remaining funds due$1,709,168.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,950.00
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)$535.00
Prepaid interest, first (26 days)$26.35
Fees + prepaids$24,736.35
Your down payment is the seller’s equity. You take over the $10,568 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $1,709,168.14 is due at closing. Uses and sources reconcile at $1,719,736.35 each. Not a Closing Disclosure.