Dicno LabsClosing
Estimate the total cash a buyer may need at closing after deposits, credits, and prepaid costs.
Free mortgage tool
Cash to close is the estimated amount a buyer needs to bring to closing after accounting for down payment, closing costs, prepaid items, deposits, and credits. It is one of the most important upfront numbers in a home purchase.
This calculator combines the major cash-to-close components into one planning estimate. It is useful before reviewing a Loan Estimate or Closing Disclosure because it helps organize the pieces that affect cash reserves.
Use it with the Closing Cost Calculator, Down Payment Calculator, and Affordability Calculator to compare both monthly payment and upfront cash needs.
This calculator is for educational and planning purposes only. It is not financial advice, a loan approval, a tax bill, or a lender quote.
Calculator
The estimate updates instantly in your browser as you adjust the inputs.
Your input is processed in your browser. Dicno Labs does not upload or store the data you enter in this tool.
Formula
Cash to close equals down payment plus closing costs plus prepaid and escrow items, minus earnest money deposit, seller credits, and lender credits.
A buyer with $40,000 down, $12,000 closing costs, $4,500 prepaids, a $5,000 deposit, $6,000 seller credit, and $1,000 lender credit has estimated cash to close of $44,500.
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Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
Cash-to-Close Calculator is an educational planning tool. Use the result as a starting point, then compare it with written lender, servicer, tax, or closing documents when available.
HomeLoan Compass
Keep upfront costs, escrow estimates, and payment assumptions easier to compare.