Enter home price, down payment, and closing adjustments to estimate total cash due at closing.
Enter home price, down payment, and closing adjustments to estimate total cash due at closing.
Purchase
Use the price you expect to offer.
Money applied directly to the home price.
Closing adjustments
Replace estimates with your lender documents when available.
Percent of the home price.
Taxes, insurance, and interest.
Your deposit credited at closing.
Credits that reduce cash needed.
An estimate until your lender provides final closing documents.
Estimated Cash to Close
$69,000.00
$60,000.00 down + $9,000.00 costs, minus $0.00 credits
Replace the closing-cost percentage with numbers from your Loan Estimate—lender fees and title charges vary by market.
On a $300,000.00 home, your down payment is $60,000.00. Closing costs at 3% add about $9,000.00, and prepaids add $0.00—earnest money and credits reduce what you bring to the table.
Upfront costs
Already covered
Cash to close is the money you bring to closing after adding your down payment, lender and third-party closing charges, and prepaid costs, then subtracting earnest money already paid and any seller or lender credits.
The percentage field is only an early estimate. Replace it with the dollar amounts on your Loan Estimate when you have one, then use the final Closing Disclosure before sending money. Prepaid property taxes, homeowners insurance, and daily interest can sit outside the basic closing-cost estimate.
This result is different from the down payment. A buyer with a $20,000 down payment may need several thousand dollars more for fees and prepaids, even after receiving credit for an earnest-money deposit.
No. Cash to close includes your down payment plus closing charges and prepaid costs, minus deposits and credits already applied.
Use the Estimated Cash to Close on your Loan Estimate, then confirm it on the Closing Disclosure your lender provides before closing.
They are expenses collected ahead of time, such as homeowners insurance, property taxes, and interest covering the days before your first full mortgage month.
Credits commonly reduce eligible closing charges, but loan rules control what they may cover. Confirm the treatment with your lender.