Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,117,444Cash toward the purchase price.
Closing costs + prepaids$67,483Not just lender fees.
Before credits & paid funds$5,184,928The complete starting cash picture.
Estimated remaining funds due at closing
$5,184,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,117,444.45
Your down payment$5,117,444.45
Closing costs + prepaids$67,483.40
Total buyer cash needed$5,184,927.85
Remaining funds due$5,184,927.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$55,950.00
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)$1,923.50
Prepaid interest, first (31 days)$2,384.90
Fees + prepaids$67,483.40
Your down payment is the seller’s equity. You take over the $477,556 balance, so the rest of the $5,595,000 price is paid at closing. A second mortgage can cover part of it. $5,184,927.85 is due at closing. Uses and sources reconcile at $5,662,483.40 each. Not a Closing Disclosure.