Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,294,372Cash toward the purchase price.
Closing costs + prepaids$38,416Not just lender fees.
Before credits & paid funds$1,332,788The complete starting cash picture.
Estimated remaining funds due at closing
$1,332,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,294,371.58
Your down payment$1,294,371.58
Closing costs + prepaids$38,416.33
Total buyer cash needed$1,332,787.92
Remaining funds due$1,332,787.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$25,000.00
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)$2,341.25
Prepaid interest, first (31 days)$3,850.08
Fees + prepaids$38,416.33
Your down payment is the seller’s equity. You take over the $1,205,628 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,332,787.92 is due at closing. Uses and sources reconcile at $2,538,416.33 each. Not a Closing Disclosure.