Plan your purchase

Buyer Cash-to-Close Estimator

Estimate the additional money due at closing using your lender’s and closing professional’s figures. Enter gross costs before credits and list each credit once.

Purchase price ($)

Down payment (%)

For a cash purchase, enter 100. Loan eligibility and minimum down payments must be confirmed with your lender.

Lender costs and points ($)

Exclude any fees financed into your loan.

Title, attorney, recording, transfer taxes, and other closing costs ($)

Use quotes for your property location and contract.

Prepaid insurance, interest, and initial escrow funding ($)

Earnest money already paid and credited at closing ($)

NC due diligence fee already paid and credited at closing ($)

Enter only if the contract credits it toward the purchase at closing.

Other included costs already paid ($)

Subtract only costs also included in the cost fields above.

Allowed seller credits ($)

Confirm limits and use with the lender; credits cannot always cover down payment.

Lender credits ($)

Do not also subtract credits from the gross-cost inputs.

Other confirmed settlement credits ($)

Do not subtract gift funds that are simply your source of cash to close.

Planning estimate only. Leverage Realty LLC, Leverage Realty Team, its agents, and owners do not guarantee this estimate or the accuracy of entered figures. This tool does not determine loan eligibility, allowed credits, or actual funds required. Confirm the amount with your lender and closing professional using your Loan Estimate and final Closing Disclosure. Unentered costs are not included. Inspections, moving expenses, and reserves outside closing should be budgeted separately.

Learn to review costs and credits with the CFPB Loan Estimate explainer and Closing Disclosure explainer.

Contact our lending resource

Buyer Cash-to-Close Estimator

Estimated additional cash needed at closing

Your information