Cash-to-Close Estimator
Your "total cash at closing" is more than just the down payment. This estimator itemizes every piece so you can budget with confidence.
~2 minutesItemizedNo credit pull
Enter your scenario
Try 3.5 for FHA, 3–5 for conventional, 0 for VA.
E.g. $5,000 seller credit toward closing costs.
We don't store what you enter — this calculator runs entirely in your browser.
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Your cash-to-close estimate is ready
Enter your details to see your itemized total.
Estimates only. This estimator uses typical VA and MD percentages for title, transfer/recordation tax, and prepaids. Your actual figures will vary based on lender, location, property tax, loan type, and rate-lock timing. A TMES Loan Estimate, provided within three business days of application, is the authoritative number.