Cash to Close Calculator | Home & Mortgage Finder
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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.
Your snapshot
Base loan (before financed fees)
Total financed into loan
New loan amount

Cash needed at closing

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.