No guessing

Run the numbers.

Use the tools. Then talk to a human.

Every calculator here is an educational estimate. None of them approve you, qualify you or guarantee anything — that work happens with a real underwriter.

Six tools

Pick your target.

Cash-to-Close Estimator

Size up the cash.

Down payment is only part of the number. Estimate the cash that may be needed for the down payment, closing costs, prepaids and reserves — then account for deposits and available credits.

Purchase

Purchase priceDown paymentDown payment percent (%)

Estimated base loan amount: $337,500

Loan + closing costs

Lender / origination feesDiscount pointsAppraisal / credit / verificationTitle / settlement / closingRecording / government feesSurveyHOA / transfer / setup feesOther closing costs

Total estimated closing costs: $5,675

Prepaids + escrows

Homeowners insurance premiumPrepaid interestInitial property tax escrowInitial insurance escrowFlood insurance (if applicable)HOA prepaid dues (if applicable)Other prepaids

Total prepaids + escrows: $4,825

Money already paid

Earnest money already paidOption fee / other deposit paidOther creditable deposits

Total deposits already paid: $3,300

Credits + assistance

Seller creditsLender creditsDown payment assistanceBuilder creditsOther credits / assistance

Total credits: $4,000

Financed fees (not cash to close)

Financed mortgage / guarantee feesOther amount added to loan

Financed amounts are added to the loan, not to your cash to close. Program-specific financed charges are not calculated automatically.

Estimate

Estimated cash to close

$40,700

Down payment$37,500

Closing costs$5,675

Prepaids + escrows$4,825

Less deposits paid− $3,300

Less credits + assistance− $4,000

Estimated base loan$337,500

Educational estimate only. This calculator is not a Loan Estimate, Closing Disclosure, approval, qualification, offer or commitment to lend. Actual cash-to-close figures vary based on the loan program, property, taxes, insurance, title charges, settlement costs, escrow requirements, credits and final transaction details.

Want the real numbers?

Hit Your Financing Target