U.S. Mortgage Index
Cash-to-Close Calculator
Estimate how much money you may need at closing for a home purchase or refinance. Add known costs, credits and amounts already paid for a more complete estimate.
Enter the purchase figures to see an estimate. Unknown costs stay unknown and are not treated as zero.
Still needed for a complete estimate:
- home price
- earnest money
- transaction costs
No amount is added until you enter one. Categories do not imply that every borrower pays that cost.
An empty list does not mean there are no closing costs.
Credits
Confirmed credits are automatically applied to eligible unpaid closing costs. Any amount that cannot be used remains unused. Credits do not automatically fund down payment, payoff principal, or cash reserves.
No credits entered.
Other purchase adjustments
How this estimate works
The estimate uses the costs, credits, and amounts already paid that you enter.
Unknown costs stay unknown. Missing items can make the result incomplete.
Amounts at an actual closing can differ from this planning estimate.
Costs financed into the loan remain part of the debt even when they are not due in cash.
Amounts paid before closing reduce remaining cash due. They are not deducted twice.
Credits reduce eligible borrower-paid costs. They are not a guaranteed cash refund.
The result is an estimate, not a , , or lender commitment.
Sources and definitions
Official sources
- Loan Estimate
- CFPB Loan Estimate
- Closing Disclosure
- CFPB Closing Disclosure
- Lender credits and points
- CFPB lender credits and points