How much cash will you bring to closing?

Reconcile the down payment and remaining costs with money already paid, financed costs, and documented credits. Every amount stays editable.

Estimated cash due from you

$85,900.00

In addition to money you have already paid.

Down payment: $90,000.00
Closing costs due now: $12,300.00
Borrower adjustments: $600.00
Total before credits: $102,900.00
Deposits, credits and funds: −$17,000.00

Need the closing-cost total first? Use the itemized Closing Costs calculator.

Educational estimate for a purchase transaction. It does not verify credit limits, gift eligibility, available funds, or wiring instructions. The final Closing Disclosure and settlement agent instructions control.

How Cash to Close is built

Start with what is due

Your down payment, closing costs still unpaid, and adjustments charged to you form the positive side of the calculation.

Subtract prior payments

Earnest money and closing costs paid before closing have already left your account, so they reduce what remains due on signing day.

Account for every credit

Financed costs, seller credits, and other eligible credits reduce the cash due. Enter only amounts documented for your transaction.

Verify the final number before sending money

The CFPB explains that Cash to Close is the amount still payable at closing, in addition to money already paid. Compare it with your latest Loan Estimate and the final Closing Disclosure, then obtain payment instructions directly from your settlement professional.

Review the official CFPB Loan Estimate explainer and Closing Disclosure explainer.

You can estimate the underlying fees with the Closing Costs calculator or compare your down-payment options.