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Cash-to-Close Calculator

The total cash a buyer needs at closing, less earnest money and credits.

Your numbers

Estimated cash needed at closing

$43,843.75

$48,844 due, less $5,000 in credits

  • Down payment$42,500.00
  • Lender fees$3,825.00
  • Lender's title policy$900.00
  • Prepaid escrow$1,618.75
  • Earnest money on deposit−$5,000.00
  • Seller credit−$0.00
  • Cash to close$43,843.75
Down payment
$42,500
Closing costs
$6,344
Credits
$5,000
Cash to close
$43,844

Excludes seller-side commission and prorated tax adjustments. Prepaids assume a 1.1% tax rate and $1,800 a year insurance. Confirm every figure on the Closing Disclosure.

Cash to close$43,843.75
FAQ’s

Frequently Asked Questions

What goes into cash to close

Down payment
The share of the price not financed. It is usually the biggest single piece of the cash needed.
Costs and prepaids
Lender fees, the title policy and the first months of tax and insurance paid into escrow at closing.
Credits
Earnest money already on deposit and any seller concession reduce the amount you wire on closing day.

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