Cash to Close Calculator
Your down payment is just the start. See the total cash needed at the closing table — including all buyer fees minus your earnest money deposit.
Try It: Down Payment Impact
Drag the slider to see how down payment percentage changes your total cash to close on a $385,000 purchase.
Every 5% more down adds $19,250 to cash needed at closing.
How Cash to Close Is Calculated
Cash to close is the total amount of money a buyer needs to bring to the closing table. It starts with the down payment, adds all buyer closing costs (lender fees, title and escrow, prepaids, government fees), and then subtracts the earnest money deposit already paid. The result is the exact wire amount needed on closing day.
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Down payment: purchase price minus loan amount ($385,000 - $288,750 = $96,250)
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Plus all buyer closing costs: lender fees, title, escrow, prepaids ($11,240)
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Minus earnest money deposit already paid ($5,000)
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Equals cash to close: the exact amount to wire ($102,490)
Why It Is More Than Just the Down Payment
Many first-time investors budget only for the down payment and are surprised by the additional costs at closing. Buyer closing costs typically add 2-5% of the purchase price on top of the down payment. Prepaid items (tax reserves, insurance, prepaid interest) account for a large portion. The cash to close banner shows the complete picture so you can plan your liquidity accurately.
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Down payment alone is $96,250 but cash to close is $102,490 -- a $6,240 gap
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Prepaid escrow reserves can add thousands depending on closing date and tax cycle
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Earnest money deposit reduces the final wire amount but must be paid upfront
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Knowing the true number prevents last-minute scrambles for additional funds
Explore More Features
See everything Closing Cost Estimator has to offer.
Cost Breakdown
See 25+ line items organized by category for both buyers and sellers.
Learn more →State-Specific Estimates
Auto-apply transfer tax rates for all 50 states plus DC with full override support.
Learn more →Net Proceeds Calculator
See exactly what the seller walks away with after commissions, costs, and mortgage payoff.
Learn more →What-If Scenario Comparison
Compare saved estimates against what-if scenarios to see how changes affect costs.
Learn more →Closing Fees vs Prepaids
Separate true closing friction from prepaid escrow deposits to see where your cash goes.
Learn more →Buyer & Seller Summary
See both sides of the transaction on one screen with every line item, category totals, and a combined grand total.
Learn more →AI-Powered Prompts
Four ready-to-use prompts pre-filled with your closing cost data for AI-powered analysis.
Learn more →Email Templates
Three pre-written emails for your agent, lender, and title company -- pre-filled with your numbers.
Learn more →AI Contract Review Pipeline
Analyze closing disclosures, loan estimates, and settlement statements with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.
Learn more →Know Your Exact Cash to Close
Down payment, buyer fees, earnest money credit — see the exact wire amount before closing day.
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