Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,631,318Cash toward the purchase price.
Closing costs + prepaids$60,773Not just lender fees.
Before credits & paid funds$2,692,091The complete starting cash picture.
Estimated remaining funds due at closing
$2,692,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,631,318.06
Your down payment$2,631,318.06
Closing costs + prepaids$60,773.28
Total buyer cash needed$2,692,091.34
Remaining funds due$2,692,091.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$42,750.00
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)$10,687.50
Prepaid interest, first (1 days)$110.78
Fees + prepaids$60,773.28
Your down payment is the seller’s equity. You take over the $1,643,682 balance, so the rest of the $4,275,000 price is paid at closing. A second mortgage can cover part of it. $2,692,091.34 is due at closing. Uses and sources reconcile at $4,335,773.28 each. Not a Closing Disclosure.