Cash to close calculator

Planning calculator

Know what you need at closing.

Build a line-by-line estimate using your lender quote and local settlement charges. These inputs are editable planning amounts.

Purchase price

Down payment

Interest rate

Lender charges

Title, escrow, and settlement fees

Recording and transfer taxes

Other closing charges

Prepaid interest / days

Prepaid insurance / year

Prepaid property taxes

Property tax / year

Tax escrow / months

Insurance escrow / months

Eligible seller / lender credits

Earnest money already paid

Estimated cash still due at closing$101,122After eligible credits and earnest money

Down payment: $100,000
Base loan amount: $400,000
Closing charges: $6,000
Prepaids (including interest): $3,210
Initial escrow deposits: $1,913
Credits applied: $0
Earnest money already paid: $10,000

Review my lender quote

Educational estimate only. Actual qualification, costs, and loan terms vary.

How this estimate works

Credits are capped at estimated eligible charges and cannot reduce the down payment. Actual program limits may be lower. Earnest money reduces the amount still due at closing. Prepaid insurance and initial insurance escrow are separate line items. Includes simple daily interest on a 365-day basis; your Loan Estimate and Closing Disclosure determine actual charges.

Find your county property tax workflow →