Cash to close calculator
How much cash do you need to buy?
The down payment is only part of the cash you bring to closing. Enter a price, your down payment, and a few costs, and this gives you a planning estimate of your total cash to close. Every field is a starting point you can change. It is not a loan approval and makes no claim about the market. The math runs entirely on your device.
How much cash will I need to close?
A planning estimate from the numbers you enter. Every field is a starting point you can change. It does not estimate any home value and makes no market claim. The math runs on your device and nothing is sent anywhere unless you ask me to.
The percentages and amounts here are starting points you can change to match your own situation. They are not averages, quoted costs, or required figures. Closing costs, prepaids, and reserves vary by lender, loan type, and the time of year you close. Your real numbers come from the lender Loan Estimate and the title company.
Estimated cash to close
$115,000
Down payment of $100,000 plus about $15,000 in closing costs and reserves. Loan amount about $400,000.
Where the upfront cash goes
Down payment (20%): $100,000
Closing costs (3%): $15,000
Estimated cash to close: $115,000
Want a real number, not an estimate? Call or text Jon at (623) 826-0888. He will connect you with a local lender for a Loan Estimate and walk you through every line of the cash you need at closing. You reach him, not a call center.
Still working out your budget?
See the price range you can shop in with the affordability calculator, or run the monthly payment behind a price with the mortgage payment calculator.
Selling to fund the purchase?
If the cash for your down payment comes from selling your current home, the seller net-proceeds calculator estimates what you would walk away with after payoff, commission, and closing costs. Or call Jon at (623) 826-0888 to plan the sale and the purchase together.
Questions buyers ask
- What is cash to close?
- Cash to close is the money you bring to the closing table to buy a home. This calculator adds your down payment, closing costs, and any prepaids and escrow reserves, then subtracts earnest money you already deposited and any seller or lender credits.
- Are these closing-cost figures the standard amounts?
- No. Every percent and dollar field here is a starting point you can change. They are not averages, quoted costs, or required figures. Closing costs, prepaids, and reserves vary by lender, loan type, and when you close.
- Is this a loan approval or a quote?
- No. It is a planning estimate built only from the numbers you enter. It is not an approval, a pre-qualification, or a quote from any lender. Your real figures come from the lender Loan Estimate and the title company settlement statement.
- How do I get an exact cash-to-close number?
- Use the Get pre-qualified button, or call or text Jon at (623) 826-0888. He will connect you with a local lender who can issue a real Loan Estimate and walk you through every line of the cash you need at closing.
See every calculator in one place on the home tools hub.
Jon Hegreness · REALTOR / Associate Broker, Howe Realty · License BR540940000