Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,246,381Cash toward the purchase price.
Closing costs + prepaids$41,840Not just lender fees.
Before credits & paid funds$2,288,220The complete starting cash picture.
Estimated remaining funds due at closing
$2,288,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,246,380.55
Your down payment$2,246,380.55
Closing costs + prepaids$41,839.65
Total buyer cash needed$2,288,220.20
Remaining funds due$2,288,220.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$31,500.00
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)$3,009.00
Initial HOA (3 months)$18.75
Prepaid interest, first (1 days)$86.90
Fees + prepaids$41,839.65
Your down payment is the seller’s equity. You take over the $903,619 balance, so the rest of the $3,150,000 price is paid at closing. A second mortgage can cover part of it. $2,288,220.20 is due at closing. Uses and sources reconcile at $3,191,839.65 each. Not a Closing Disclosure.