Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,809,161Cash toward the purchase price.
Closing costs + prepaids$31,441Not just lender fees.
Before credits & paid funds$1,840,602The complete starting cash picture.
Estimated remaining funds due at closing
$1,840,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,809,160.78
Your down payment$1,809,160.78
Closing costs + prepaids$31,440.84
Total buyer cash needed$1,840,601.63
Remaining funds due$1,840,601.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$22,000.00
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)$328.25
Prepaid interest, first (26 days)$1,887.59
Fees + prepaids$31,440.84
Your down payment is the seller’s equity. You take over the $390,839 balance, so the rest of the $2,200,000 price is paid at closing. A second mortgage can cover part of it. $1,840,601.63 is due at closing. Uses and sources reconcile at $2,231,440.84 each. Not a Closing Disclosure.