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Home buying calculator

Closing Cost & Cash-to-Close Calculator

Most buyers plan for the down payment and are surprised by everything else. Estimate itemized closing costs and the total cash you will bring to closing, after earnest money, credits, assistance, and gift funds.

Instant Results

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Real-Time Updates

Results change as you adjust your inputs

Expert Guidance

Review your numbers with a licensed loan officer

  • No credit check, no sign-up
  • Updated 2026-09-24
  • Equal Housing Lender · NMLS #466690 (verify)

Educational estimate, not a loan offer.

Closing Cost & Cash-to-Close Calculator

Adjust any input and your results update instantly.

Purchase and loan
$400,000
$
$0$2,000,000
5%
%
3%100%

$20,000 · minimum 3% for Conventional

6.5%
%
0%15%

Your own estimate. Not a rate quote.

Term

Lender charges

Origination and points are a percent of the loan amount.

0.5%
%
0%5%
0%
%
0%5%
$995
$
$0$3,000
$150
$
$0$500
Third-party services
$600
$
$0$2,000
$60
$
$0$200
$450
$
$0$2,000
$250
$
$0$800

Survey, pest, flood certification.

Title and government

Title and transfer taxes vary most by state and county.

$2,000
$
$0$6,000

Starts at 0.5% of price.

$650
$
$0$2,000
$150
$
$0$500
$0
$
$0$5,000

Enter if your state or county charges the buyer.

Prepaids and escrow

Effective rate 0.90% (2024 ACS). Edit the tax below for your county.

$3,600
$
$0$20,000
$1,800
$
$0$6,000
15
031

Depends on your closing date.

12
012
3
012
2
012
Deposits, credits, and help

These reduce the cash you bring to closing.

$5,000
$
$0$20,000

Already paid, credited at closing.

$0
$
$0$50,000
$0
$
$0$25,000
$0
$
$0$50,000
$0
$
$0$50,000

How this calculator works

Closing costs add lender charges (origination and points as a percent of the loan, plus underwriting), third-party services (appraisal, credit report, inspection, survey), title and government charges (title insurance, settlement, recording, and transfer taxes), and any upfront program fee you choose to pay in cash.

Prepaids are prepaid interest (loan × rate ÷ 365 × days) and the first year of homeowner's insurance. Escrow deposits are months of property tax and insurance collected to start your escrow account. The state list uses 2024 American Community Survey effective tax rates as a starting point.

Cash to close = down payment + closing costs + prepaids + escrow − seller and lender credits − earnest money − assistance − gift funds. Credits are capped at the costs they can pay. If deposits exceed what is due, the difference is shown as an estimated amount back to you instead of a negative number.

Program fees use published figures: FHA upfront MIP of 1.75%, the VA funding fee chart, and the USDA 1% guarantee fee. Default fee amounts are national starting points, not quotes. Replace them with your Loan Estimate figures.

Frequently asked questions

›What is the difference between closing costs and cash to close?

Closing costs are the fees to get the loan and transfer the home: lender charges, appraisal, title, recording, and taxes. Cash to close is everything you bring on closing day: down payment plus closing costs, prepaids, and escrow deposits, minus earnest money, credits, assistance, and gifts. Your Loan Estimate and Closing Disclosure show both figures.

›How much are closing costs on a house?

Buyer closing costs often land between 2% and 5% of the purchase price, before prepaids and escrow. The range depends on loan size, points, title rates, and state or county transfer taxes.

›Does earnest money count toward cash to close?

Yes. Earnest money you deposited with your offer is credited at closing, so it reduces the cash you bring that day. It is still part of the money you need overall.

›Can seller credits pay for my down payment?

Generally no. Seller concessions can pay closing costs, prepaids, and escrow, and each program caps how much the seller can contribute. Credits above your actual costs are usually lost or renegotiated rather than paid to you.

›Can I roll closing costs into my mortgage on a purchase?

On most purchase loans you cannot finance ordinary closing costs. The FHA upfront mortgage insurance premium, the VA funding fee, and the USDA guarantee fee can usually be financed into the loan amount.

›Why are prepaids and escrow separate from closing costs?

Prepaids and escrow deposits are not fees for the loan. They are your own property tax, insurance, and interest paid in advance, so they are shown separately even though you pay them at closing.

Related calculators and guides

Down Payment & Savings-Gap Calculator

Turn your cash to close into a monthly savings target.

FHA vs Conventional vs VA vs USDA

Compare upfront fees and cash needed by program.

Paycheck-to-Home Planner

Plan savings, reserves, and a target purchase date.

Real Cost of Ownership

See the monthly cost after you move in.

This calculator is not a Loan Estimate or Closing Disclosure. Fees, title charges, transfer taxes, and escrow requirements vary by lender, state, county, and closing date.

Calculators provide educational estimates only. They are not a loan offer, credit decision, or commitment to lend. Actual terms depend on underwriting, credit, property, and program availability.

Equal Housing Lender · NMLS #466690