Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$5,116,828Cash toward the purchase price.
Closing costs + prepaids$65,176Not just lender fees.
Before credits & paid funds$5,182,004The complete starting cash picture.
Estimated remaining funds due at closing
$5,182,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,116,828.21
Your down payment$5,116,828.21
Closing costs + prepaids$65,175.53
Total buyer cash needed$5,182,003.74
Remaining funds due$5,182,003.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$55,950.00
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)$1,923.50
Prepaid interest, first (1 days)$77.03
Fees + prepaids$65,175.53
Your down payment is the seller’s equity. You take over the $478,172 balance, so the rest of the $5,595,000 price is paid at closing. A second mortgage can cover part of it. $5,182,003.74 is due at closing. Uses and sources reconcile at $5,660,175.53 each. Not a Closing Disclosure.