Buying a home
Cash to Close Calculator
Understand how much money you’ll need on closing day and what will still be available for the life you’re building afterward.
1 Upfront costs
Build your cash-to-close estimate
Add the money that goes into the purchase, then subtract deposits or credits you have already earned.
Money that reduces what you bring
Why this matters
Cash to close is different from your down payment. Seeing the full upfront picture helps you protect your emergency reserve.
Estimated cash needed to close
$51,950on closing day
This is the amount to compare with the savings you can comfortably use.
Down payment$42,500
Closing costs$12,750
Prepaids & escrow$4,200
Deposits & credits-$7,500
Estimated cash to close$51,950
Cash to close is only step one
Plan separately for moving, furniture, repairs and a reserve for surprises after you receive the keys.