Chris Hageman
DeLex Realty
Estimated Cash to Close
What would you actually need to bring to closing?
The most common loan type. This calculator models conventional financing directly.
Used only to estimate prepaid interest. Not a quote.
A deposit toward your purchase, held in escrow.
Earnest money does not have one required amount. Some offers use approximately 1% of the purchase price, but the appropriate amount depends on the property, market, and offer strategy.
Depending on the market, contract, and loan program, the seller may be able to contribute toward some of the buyer’s closing costs.
Charges, prepaids and reserves— every figure is editable
Closing costs
Lender charges collected
These are the lender’s own fees for making the loan. They vary by lender and are one of the few closing costs you can shop.
Appraisal collected
The appraisal is ordered by the lender and priced by the appraiser. Many lenders collect it before closing rather than at the table.
Inspection paid
Home inspections often range from approximately $350 to $1,000 or more, depending on the property and services ordered.
These come from the title or escrow company, not from the lender and not from this calculator. Who pays which part is often negotiable.
If the property has an association, it may charge one-time fees at closing. They are set by the association or its management company.
Prepaid expenses
Interest is charged from the day you close to the end of that month. The number of days depends entirely on your closing date.
An insurer prices this on the property and on you. It is a quote you obtain, not a percentage this calculator can derive.
Escrow and reserve deposits
Property tax is specific to the parcel and the taxing authority. The figure here is a placeholder until you look up the actual assessment.
If your loan escrows taxes and insurance, the lender collects a few months up front to start the account. The number of months is set by the lender and the program.
Mortgage insurance cannot be estimated from a percentage of the purchase price. Enter the monthly amount your lender quotes — this calculator will not invent one.
Additional charges
Anything this estimate does not already list — a survey, a courier fee, an origination charge. Each can be a dollar amount or a percentage of the price.
None yet. Anything this sheet does not already list can be added here.
Estimated cash to close
$26,143
A $22,500 down payment plus $8,643 in estimated costs, less credits and the earnest money credited at closing.
Still to come
- Closing costs, prepaids and reserves separated
- Every charge itemized, line by line
- How credits and earnest money are applied
- A printable estimate you can keep
Want the full breakdown?
Unlock your complete report, see exactly where each number comes from, and know what you may pay before closing versus at the table. You get your own link to it that stays open for 30 days — no account, no password.
- Every charge itemized, line by line
- What is paid before closing, and what is due at it
- How credits and your earnest money are applied
- A printable report you can keep
Two details and your full breakdown opens right here. No account, no password.
Every figure here is an estimate for discussion. It is not an offer, a quote, a loan approval, an appraisal, or a guarantee, and actual amounts will differ.
This is not a Loan Estimate, a Closing Disclosure, an escrow or settlement statement, a payoff statement, or a title commitment.
Nothing here is legal or tax advice. Consult a qualified professional about your circumstances.
Fees, charges, taxes, insurance, title and escrow costs, lender charges, and reserves vary by transaction, by provider, and over time. None of the amounts shown is required, standard, or customary.