Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,890,975Cash toward the purchase price.
Closing costs + prepaids$30,527Not just lender fees.
Before credits & paid funds$1,921,501The complete starting cash picture.
Estimated remaining funds due at closing
$1,921,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,890,974.60
Your down payment$1,890,974.60
Closing costs + prepaids$30,526.86
Total buyer cash needed$1,921,501.46
Remaining funds due$1,921,501.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,999.00
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)$2,398.00
Initial HOA (3 months)$348.00
Prepaid interest, first (30 days)$556.86
Fees + prepaids$30,526.86
Your down payment is the seller’s equity. You take over the $108,925 balance, so the rest of the $1,999,900 price is paid at closing. A second mortgage can cover part of it. $1,921,501.46 is due at closing. Uses and sources reconcile at $2,030,426.86 each. Not a Closing Disclosure.