Buyer Cash-to-Close Calculator
Estimate how much money you may need to bring to closing based on your purchase price, financing, credits, deposits, and estimated closing expenses.
This calculator provides an estimate for planning purposes only. Actual closing costs and cash-to-close amounts may vary based on your transaction, lender, property, location, taxes, insurance, title charges, and final settlement figures.
Step 1 of 3
Purchase Details
Tell us about the purchase and financing.
Purchase price minus down payment.
What is cash to close?
Cash to close is the total amount of money a homebuyer needs to bring to the closing table, beyond what the loan covers. It includes your down payment plus closing costs and prepaid items, minus any deposits and credits you're receiving.
What is included in cash to close?
Cash to close typically includes your down payment, title and closing costs, lender charges, recording fees, prepaid property taxes and homeowners insurance, prepaid interest, escrow deposits, and any HOA charges - reduced by credits like earnest money already paid, seller credits, or lender credits.
Is cash to close the same as closing costs?
No. Closing costs are one component of cash to close. Cash to close also includes your down payment and prepaid/escrow items, and is reduced by deposits and credits - so it's usually a different (often larger) number than closing costs alone.
When will I know my final cash-to-close amount?
Your final, lender-required cash-to-close figure comes from your Loan Estimate and Closing Disclosure, and is confirmed through the settlement process with Title Ten HQ. This calculator is intended for early planning only.
Frequently Asked Questions
Need final numbers? Talk to Title Ten HQ.
Final cash-to-close figures must be confirmed for the specific transaction.