Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,628,413Cash toward the purchase price.
Closing costs + prepaids$28,172Not just lender fees.
Before credits & paid funds$1,656,585The complete starting cash picture.
Estimated remaining funds due at closing
$1,656,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,628,413.38
Your down payment$1,628,413.38
Closing costs + prepaids$28,172.10
Total buyer cash needed$1,656,585.48
Remaining funds due$1,656,585.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,750.00
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)$4,187.50
Prepaid interest, first (2 days)$9.60
Fees + prepaids$28,172.10
Your down payment is the seller’s equity. You take over the $46,587 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $1,656,585.48 is due at closing. Uses and sources reconcile at $1,703,172.10 each. Not a Closing Disclosure.