Estimate total cash required at closing, including down payment, fees, and third-party costs.
The Cash to Close Calculator provides a quick estimate of the total funds a borrower will need at closing. This includes the required down payment, lender fees, and third-party costs such as title, appraisal, and recording fees.
Enter Loan Details – Provide the purchase price or estimated value, loan amount, and down payment percentage or amount.
Add Fees – Input lender fees, origination charges, and estimated third-party closing costs.
Calculate – The calculator totals all components and displays the estimated cash required to close the transaction.
Use this tool during early underwriting, borrower conversations, or deal analysis to better understand up-front capital requirements.
The Cash to Close amount is the sum of several components that represent out-of-pocket funds due at closing:
Cash to Close = Down Payment + Lender Fees + Third-Party Closing Costs
Where:
Down Payment is calculated as a percentage of the purchase price or loan value, representing the borrower’s equity contribution.
Lender Fees include origination points, underwriting fees, processing fees, and any other charges assessed by the lender.
Third-Party Closing Costs cover title insurance, appraisal, survey, recording fees, escrow or settlement fees, and other service provider charges.
This calculator adds each component to produce an estimated total cash required at closing. Keep in mind that exact amounts may vary based on actual fee schedules, negotiations, and local costs.
Cash to close refers to the total amount of money a borrower must pay at the closing table, including the down payment plus all lender and third-party fees.
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