Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$1,908,730Cash toward the purchase price.
Closing costs + prepaids$40,712Not just lender fees.
Before credits & paid funds$1,949,442The complete starting cash picture.
Estimated remaining funds due at closing
$1,949,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,908,730.02
Your down payment$1,908,730.02
Closing costs + prepaids$40,711.95
Total buyer cash needed$1,949,441.97
Remaining funds due$1,949,441.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$28,500.00
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)$3,420.00
Initial HOA (3 months)$684.99
Prepaid interest, first (12 days)$881.96
Fees + prepaids$40,711.95
Your down payment is the seller’s equity. You take over the $941,270 balance, so the rest of the $2,850,000 price is paid at closing. A second mortgage can cover part of it. $1,949,441.97 is due at closing. Uses and sources reconcile at $2,890,711.95 each. Not a Closing Disclosure.