Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,908,730Cash toward the purchase price.
Closing costs + prepaids$42,589Not just lender fees.
Before credits & paid funds$1,951,319The complete starting cash picture.
Estimated remaining funds due at closing
$1,951,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,908,730.02
Your down payment$1,908,730.02
Closing costs + prepaids$42,589.38
Total buyer cash needed$1,951,319.40
Remaining funds due$1,951,319.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$28,500.00
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)$3,901.00
Initial HOA (3 months)$684.99
Prepaid interest, first (31 days)$2,278.39
Fees + prepaids$42,589.38
Your down payment is the seller’s equity. You take over the $941,270 balance, so the rest of the $2,850,000 price is paid at closing. A second mortgage can cover part of it. $1,951,319.40 is due at closing. Uses and sources reconcile at $2,892,589.38 each. Not a Closing Disclosure.