Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,294,372Cash toward the purchase price.
Closing costs + prepaids$36,343Not just lender fees.
Before credits & paid funds$1,330,714The complete starting cash picture.
Estimated remaining funds due at closing
$1,330,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,294,371.58
Your down payment$1,294,371.58
Closing costs + prepaids$36,342.77
Total buyer cash needed$1,330,714.35
Remaining funds due$1,330,714.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$25,000.00
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)$3,000.00
Prepaid interest, first (9 days)$1,117.77
Fees + prepaids$36,342.77
Your down payment is the seller’s equity. You take over the $1,205,628 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,330,714.35 is due at closing. Uses and sources reconcile at $2,536,342.77 each. Not a Closing Disclosure.