Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,099,044Cash toward the purchase price.
Closing costs + prepaids$36,655Not just lender fees.
Before credits & paid funds$1,135,698The complete starting cash picture.
Estimated remaining funds due at closing
$1,135,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,099,043.82
Your down payment$1,099,043.82
Closing costs + prepaids$36,654.57
Total buyer cash needed$1,135,698.39
Remaining funds due$1,135,698.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$23,000.00
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)$3,492.00
Prepaid interest, first (31 days)$2,937.57
Fees + prepaids$36,654.57
Your down payment is the seller’s equity. You take over the $1,200,956 balance, so the rest of the $2,300,000 price is paid at closing. A second mortgage can cover part of it. $1,135,698.39 is due at closing. Uses and sources reconcile at $2,336,654.57 each. Not a Closing Disclosure.