Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,814,706Cash toward the purchase price.
Closing costs + prepaids$30,995Not just lender fees.
Before credits & paid funds$1,845,700The complete starting cash picture.
Estimated remaining funds due at closing
$1,845,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,814,705.67
Your down payment$1,814,705.67
Closing costs + prepaids$30,994.77
Total buyer cash needed$1,845,700.44
Remaining funds due$1,845,700.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$19,000.00
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)$4,750.00
Prepaid interest, first (2 days)$19.77
Fees + prepaids$30,994.77
Your down payment is the seller’s equity. You take over the $85,294 balance, so the rest of the $1,900,000 price is paid at closing. A second mortgage can cover part of it. $1,845,700.44 is due at closing. Uses and sources reconcile at $1,930,994.77 each. Not a Closing Disclosure.