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.
            
            
            Estimate days from closing to first payment period.
          
        
            
            
            Title, escrow, recording, lender fees, etc.
          
        
            
            
            Common on refinances. Purchases often pay at close.
          
        
            
            
            Exempt if service-connected disability → set “Exempt”.
          
          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)—
        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.
