What does cash to close include?

Cash to close usually includes down payment, lender and title fees, prepaid taxes and insurance, minus seller credits and deposits already paid.

Are closing costs always a fixed percentage?

No. Many fees are fixed or semi-fixed, so a percentage is only a starting estimate.

Yes. Seller credits can reduce buyer cash needed at closing, but they do not reduce loan principal.

Estimate how much cash you need at closing after down payment, fees, prepaids, seller credits, and earnest money deposits.

Purchase price ($)

Down payment (%)

Estimated closing costs (%)

Lender + title + escrow fees ($)

Inspection + appraisal fees ($)

HOA transfer/setup fees ($)

Property tax rate (% / year)

Prepaid property tax months

Home insurance ($ / year)

Prepaid insurance months

Seller credit ($)

Earnest deposit already paid ($)

Enter values and run calculation.