Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$2,036,942Cash toward the purchase price.
Closing costs + prepaids$32,301Not just lender fees.
Before credits & paid funds$2,069,242The complete starting cash picture.
Estimated remaining funds due at closing
$2,069,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,036,941.56
Your down payment$2,036,941.56
Closing costs + prepaids$32,300.80
Total buyer cash needed$2,069,242.36
Remaining funds due$2,069,242.36
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)$2,750.00
Prepaid interest, first (17 days)$325.80
Fees + prepaids$32,300.80
Your down payment is the seller’s equity. You take over the $163,058 balance, so the rest of the $2,200,000 price is paid at closing. A second mortgage can cover part of it. $2,069,242.36 is due at closing. Uses and sources reconcile at $2,232,300.80 each. Not a Closing Disclosure.