Cash-to-Close Estimator

Understand down payment plus estimated closing-related cash needs, separate from your monthly payment.

Your transaction

Purchase price

Down payment

Estimated closing cost assumption

% of price

A common planning range is roughly 2–5% of the purchase price — your actual loan estimate may differ.

Seller credit toward closing costs

Lender credit toward closing costs

Estimated cash to close

Down payment: $40,000
Estimated closing costs: $12,000
Seller + lender credits: – $0
Estimated total cash to close: $52,000

This is an illustrative estimate, not a loan offer or approval.

Results are based on the assumptions entered above and general educational math. They do not represent a rate quote, a credit decision, or a guarantee that you will qualify for any loan amount or program. Actual eligibility, pricing, and terms require a full application and lender review.

Closing costs vary by lender, title company, and county — this uses a percentage assumption you control above.
Prepaid items like escrowed taxes and insurance are approximated within this percentage, not itemized separately.

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.