Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,507,136Cash toward the purchase price.
Closing costs + prepaids$31,369Not just lender fees.
Before credits & paid funds$1,538,506The complete starting cash picture.
Estimated remaining funds due at closing
$1,538,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,507,136.34
Your down payment$1,507,136.34
Closing costs + prepaids$31,369.20
Total buyer cash needed$1,538,505.54
Remaining funds due$1,538,505.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$18,500.00
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)$4,625.00
Prepaid interest, first (31 days)$1,019.20
Fees + prepaids$31,369.20
Your down payment is the seller’s equity. You take over the $342,864 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,538,505.54 is due at closing. Uses and sources reconcile at $1,881,369.20 each. Not a Closing Disclosure.