Cash to close calculator
Add up what you bring to closing, then subtract the deposit you already paid and any credits.
Keep each cost in one field only so nothing is counted twice. Credit limits and other adjustments depend on the actual transaction.
Estimated cash to close
- Down payment
- $80,000
- Loan and settlement costs
- $7,000
- Prepaids and escrow
- $3,500
- Less earnest money paid
- -$5,000
- Less credits
- -$0
This is the amount still due at closing, not everything you will have spent. Keep reserves and moving costs separate.
Educational estimate only. Not a rate quote, loan offer, or approval. Rates shown are assumptions you can edit. Your numbers stay in your browser.
How this calculator works
Cash to close is the down payment plus loan and settlement costs plus prepaid items and initial escrow deposits, minus the earnest money you already paid and any seller or lender credits.
Your Loan Estimate and, later, your Closing Disclosure show the official figure. Use those documents to fill in these fields once you have them.
Common questions
Is earnest money in addition to the down payment?
No. Earnest money is a deposit made with your offer. It is normally credited toward what you owe at closing.
How much are closing costs?
They vary with the loan, the lender, the title company, and the location. Buyers often see 2% to 5% of the purchase price, but your Loan Estimate is the number to rely on.
What are prepaids?
Prepaids are costs paid at closing for things that come due later, such as the first year of homeowners insurance, prepaid interest, and the starting balance of your escrow account.
A loan officer can walk through them with you. It costs nothing to ask.