Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$1,584,432Cash toward the purchase price.
Closing costs + prepaids$25,185Not just lender fees.
Before credits & paid funds$1,609,617The complete starting cash picture.
Estimated remaining funds due at closing
$1,609,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,584,431.79
Your down payment$1,584,431.79
Closing costs + prepaids$25,184.96
Total buyer cash needed$1,609,616.75
Remaining funds due$1,609,616.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$15,950.00
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)$1,993.75
Prepaid interest, first (16 days)$16.21
Fees + prepaids$25,184.96
Your down payment is the seller’s equity. You take over the $10,568 balance, so the rest of the $1,595,000 price is paid at closing. A second mortgage can cover part of it. $1,609,616.75 is due at closing. Uses and sources reconcile at $1,620,184.96 each. Not a Closing Disclosure.