Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$4,281,919Cash toward the purchase price.
Closing costs + prepaids$53,336Not just lender fees.
Before credits & paid funds$4,335,255The complete starting cash picture.
Estimated remaining funds due at closing
$4,335,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,281,919.49
Your down payment$4,281,919.49
Closing costs + prepaids$53,335.97
Total buyer cash needed$4,335,255.46
Remaining funds due$4,335,255.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$45,000.00
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)$1,045.25
Prepaid interest, first (2 days)$65.72
Fees + prepaids$53,335.97
Your down payment is the seller’s equity. You take over the $218,081 balance, so the rest of the $4,500,000 price is paid at closing. A second mortgage can cover part of it. $4,335,255.46 is due at closing. Uses and sources reconcile at $4,553,335.97 each. Not a Closing Disclosure.