What’s included in cash to close?

Down payment, standard closing costs (title, escrow, lender fees), discount points, prepaid interest, homeowners insurance prepay and escrow reserves, tax reserves, and adjustments for seller/lender credits, earnest money, and paid-outside-closing items.

Can I roll costs into the loan?

Refinances often allow rolling standard closing costs and points into the new loan (subject to LTV/AUS). Program upfront fees like FHA UFMIP, VA funding fee, and USDA guarantee fee are commonly financed as well.

Is this a Loan Estimate?

No—this is an educational estimate. For an official Loan Estimate you must apply and receive disclosures from a lender.

Cash to Close Calculator | Home & Mortgage Finder

Calculator

Cash to close — purchase or refinance

See your down payment, closing costs, prepaid interest, escrow reserves, points, and credits. Choose Conventional, FHA, VA, or USDA and adjust roll-in options.

Purpose

Program

Home price (or value for refi)

Down payment (%)

Interest rate (APR %)

Prepaid interest days Estimate days from closing to first payment period.

Closing costs entry

Closing costs (% of price, excl. prepaids/points) Title, escrow, recording, lender fees, etc.

Discount points (% of loan)

Finance points/closing costs? Common on refinances. Purchases often pay at close.

Property taxes (% of price per year)

Tax escrow reserves (months)

Homeowners insurance (annual $)

HOI prepay due at close (months)

HOI escrow reserves (months)

HOA dues ($/mo, optional)

Seller credit ($ or %)

Lender/builder credits ($)

Earnest money already paid ($)

Paid outside closing (e.g., appraisal) ($)

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Your snapshot

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Base loan (before financed fees)

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Total financed into loan

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New loan amount

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Cash needed at closing

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Down payment—

Standard closing costs (non-prepaid)—

Points paid at close—

Prepaid interest—

Escrow setup (tax/HOI reserves + HOI prepay)—

Program upfront fee paid at close—

Credits/POC (subtract)—

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Estimates for planning only, not a Loan Estimate or commitment to lend. Actual costs vary by lender, property, and location; some fees and roll-in options may be limited by program/LTV/AUS.