Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,995,000Cash toward the purchase price.
Closing costs + prepaids$30,574Not just lender fees.
Before credits & paid funds$2,025,574The complete starting cash picture.
Estimated remaining funds due at closing
$2,025,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,995,000.00
Your down payment$1,995,000.00
Closing costs + prepaids$30,573.75
Total buyer cash needed$2,025,573.75
Remaining funds due$2,025,573.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$19,950.00
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)$4,405.75
Fees + prepaids$30,573.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $1,995,000 price is paid at closing. A second mortgage can cover part of it. $2,025,573.75 is due at closing. Uses and sources reconcile at $2,025,573.75 each. Not a Closing Disclosure.