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.
Estimated cash to close
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Down payment—
Loan origination (est. 1%)—
Title & settlement (est.)—
Transfer & recordation tax—
Appraisal & credit report—
Prepaids (taxes, insurance, interest)—
Seller / lender credits—
Total estimated cash to close—
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.