Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,292,013Cash toward the purchase price.
Closing costs + prepaids$34,691Not just lender fees.
Before credits & paid funds$1,326,703The complete starting cash picture.
Estimated remaining funds due at closing
$1,326,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,292,012.81
Your down payment$1,292,012.81
Closing costs + prepaids$34,690.69
Total buyer cash needed$1,326,703.50
Remaining funds due$1,326,703.50
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 (1 days)$124.44
Fees + prepaids$34,690.69
Your down payment is the seller’s equity. You take over the $1,207,987 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,326,703.50 is due at closing. Uses and sources reconcile at $2,534,690.69 each. Not a Closing Disclosure.