Down payment
The purchase-price portion you are not financing. The amount depends on your loan, qualifications, and plan.
Closing-cost estimator
Estimate the cash you may need at closing.
See the down payment, estimated closing costs, prepaid expenses, reserves, and earnest-money credit separately. Replace every example with current figures for your purchase.
Change every assumption to match your lender and contract estimates.
Understand the estimate
Cash to close is more than the down payment.
The calculator separates four categories so you can see which assumption needs better information.
Loan and closing charges
Possible lender, appraisal, title, settlement, recording, inspection, and other transaction charges.
Prepaids and escrow
Insurance, interest, taxes, and reserves that may be collected before or at closing.
Credits and deposits
Earnest money already paid and any negotiated, lender, or other valid credits can change the remaining cash needed.
Replace the assumptions
Move from an early estimate to current documents.
Start with a planning scenario. Once you have a lender and a property, replace the broad percentages with actual quotes, contract terms, and written disclosures.
- Ask your lender for a Loan Estimate and compare the projected payment and closing costs, not only the interest rate.
- Add current insurance quotes, association requirements, inspections, and other property-specific costs.
- Confirm negotiated credits, earnest money, title and settlement arrangements, and any charges affected by the closing date.
- Review the final Closing Disclosure and ask about differences before closing.
Official references
Use the right source for each number.
These resources explain common mortgage disclosures and provide current government starting points. Your lender, title or settlement professional, insurer, attorney, tax professional, association, or another qualified specialist may need to confirm the amount that applies to your transaction.
A clear next step
Need an estimate for a particular home?
I can help organize the known details and show you which figures need to come from your lender, title professional, insurer, or another specialist.