Tools · Run the numbers
Cash to close
What you actually bring to the table — down payment plus closing costs, minus credits and earnest money.
The cash you actually bring to closing — down payment plus closing costs, minus credits and the earnest money you've already put down.
Estimated cash to close
$53,500
The closing-cost % is an all-in rough figure — lender and title fees, prepaids, and the initial escrow deposit (the Loan Estimate's sections A–G), appraisal included. What you've already paid — earnest money, the appraisal — is subtracted because it isn't due again at the table. Closing costs often run 3–5% — the higher end where property taxes are steep, since the escrow deposit front-loads months of taxes and insurance. Nudge the % up if you're in a high-tax area.
Estimates only — not a quote, pre-approval, or offer of credit. Your actual terms come from a lender's Loan Estimate. The Loan Estimate and the Closing Disclosure (due at least three business days before closing) give the exact figure.
Terms on this page
- Closing costsOne-time fees to finalize the loan and purchase — lender fees, title, taxes, prepaids — usually a few percent of the price.
- Down paymentThe cash you put toward the purchase up front; the rest is the loan.
- Earnest moneyA good-faith deposit when your offer is accepted; applied to your costs at closing.
- Seller concessionsClosing costs the seller agrees to cover for you, within limits set by the loan type.
- PrepaidsUpfront amounts for taxes, insurance, and interest you pre-fund at closing; costs, not fees.
- AppraisalA licensed appraiser's independent opinion of the home's value — not its price — which the lender uses to make sure the loan isn't larger than the property supports.
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