Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,112Cash toward the purchase price.
Closing costs + prepaids$35,730Not just lender fees.
Before credits & paid funds$123,842The complete starting cash picture.
Estimated remaining funds due at closing
$123,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,111.61
Your down payment$88,111.61
Closing costs + prepaids$35,730.26
Total buyer cash needed$123,841.87
Remaining funds due$123,841.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$22,500.00
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)$5,625.00
Prepaid interest, first (2 days)$380.26
Fees + prepaids$35,730.26
Your down payment is the seller’s equity. You take over the $2,161,888 balance, so the rest of the $2,250,000 price is paid at closing. A second mortgage can cover part of it. $123,841.87 is due at closing. Uses and sources reconcile at $2,285,730.26 each. Not a Closing Disclosure.