Decision instrument

Closing Cost Calculator

US cash-to-close worksheet from entered Loan Estimate amounts.

Your inputs

Adjust the fields and review the result in this workbench.

US cash-to-close worksheet

Enter costs from a lender's Loan Estimate, closing agent, insurer, and local records. This tool does not estimate state taxes, title charges, PMI, or lender fees.

Purchase price ($)

Down payment ($)

Itemized costs from your estimates

Loan origination and underwriting

Use the lender estimate, including underwriting or processing fees.

Discount points

Enter only points you choose to pay to reduce the rate.

Appraisal

Use the lender's quoted appraisal charge.

Title, settlement, and attorney

Use the estimate for your side of title or settlement services.

Government recording and transfer charges

Use the local or closing-agent estimate; rules vary by location.

Prepaid property tax and escrow

Use the initial escrow or tax amount from the Loan Estimate.

Prepaid homeowners insurance and escrow

Use the quoted premium and initial escrow amount.

Inspection and reports

Optional due-diligence costs paid by the buyer.

Other buyer costs

Enter only costs you can identify, such as survey, pest, or HOA transfer fees.

Amounts already credited

Lender credits ($)

Credits disclosed by the lender; do not enter a rate reduction here.

Earnest money already paid ($)

A deposit credited at closing, if applicable.

Interpretation

How Cash-to-Close Planning works

This worksheet adds your down payment to the itemized closing costs you enter, then subtracts lender credits and earnest money already paid. Use amounts from the official documents you receive during a US home purchase.

Example

Key features

A realistic example to show how this tool can support an actual decision.

Formula

Estimated cash to close = down payment + entered itemized costs − lender credits − earnest money already paid.

Cash-to-close worksheet from entered Loan Estimate amounts
Separate loan amount, costs, lender credits, and earnest money
Item-by-item summary for questions to ask a lender or closing agent
No assumed state taxes, PMI, title fees, or lender fees

Avoid mistakes

Common mistakes

A few things that can lead to misleading results or poor decisions.

Ask each lender for a Loan Estimate on the same day and compare the disclosed loan costs, services you can shop for, credits, and cash-to-close figures—not only the interest rate.

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