Cash-to-Close Calculator

Estimate your total cash needed at the closing table — including down payment, closing costs, prepaids, and credits.

This calculator provides estimates for educational purposes only. Actual costs vary by location, lender, and market conditions. Consult a licensed professional for advice specific to your situation.

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The Cash-to-Close Calculator gives you a quick estimate. The Closing Cost Guide gives you state-by-state ranges, line-item worksheets, lender fee comparison templates, and negotiation scripts that can save you thousands.

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One-page breakdown of typical closing costs by category, with negotiability ratings and a Closing Disclosure review checklist. Sent straight to your inbox.

How the Cash-to-Close Calculator Works

Your cash-to-close is the total amount you need in your bank account on closing day. It's more than just the down payment — it includes closing costs, prepaid expenses, escrow deposits, and any credits from the seller or lender.

This calculator estimates every line item on your Closing Disclosure and adds them up so you can see the full picture before you make an offer. Enter your purchase price, down payment, loan type, and state, and the calculator breaks down each fee category: lender fees, title costs, government charges, prepaids, and loan-specific fees like FHA MIP or VA funding fees.

What's Included in Cash-to-Close

  • Down payment — your equity contribution, based on the percentage you choose
  • Lender fees — origination, appraisal, and underwriting charges
  • Title and settlement — title search, title insurance, escrow agent fees
  • Government fees — recording fees and state transfer taxes (the single biggest variable by state)
  • Prepaids — interest from closing to month-end, insurance premium, property tax escrow
  • Loan-specific costs — FHA upfront MIP (1.75%), VA funding fee (2.15%), USDA guarantee fee (1%)
  • Credits — earnest money already deposited and any seller concessions reduce your total

Why Cash-to-Close Estimates Matter

Most first-time buyers budget for the down payment and assume closing costs are "a couple thousand dollars." The reality: closing costs typically run 2-5% of the purchase price — that's $8,000 to $20,000 on a $400,000 home. Add prepaids and escrow deposits, and the total cash needed can be $5,000 to $15,000 more than the down payment alone. Knowing this number early lets you avoid a last-minute scramble for funds three days before closing.