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Costs
Cash to Close Calculator
Down payment gets all the attention, but cash to close is the real gate. It's down payment plus closing costs, minus your deposit, seller credits and any assistance.
Seeing all the levers in one place is what makes a purchase feel possible, most buyers need less than they assume.
Your numbers
Your results
Cash needed at closing
$19,375
After deposit and all credits
- Down payment
- $16,250
- Closing costs
- $8,125
- Credits applied
- $5,000
- Already paid (earnest money)
- $5,000
- Total out of pocket for the purchase
- $24,375
- Loan amount
- $308,750
What happens if you change this
You'd bring $19,375 to the closing table. Your $5,000 earnest money already counts toward it, and credits reduce it further. A $5,000 seller credit would drop this to $14,375. You haven't included down payment assistance, Pennsylvania programs can cover a meaningful portion with a 640 minimum credit score. Add an amount to see the effect.
Keep these numbers
Your results are yours already. If it helps, send them to yourself, or have Corie look at the same scenario and tell you what she would change.
Related calculators
- Closing Cost EstimatorEstimate lender fees, title, transfer tax and prepaid escrows, the costs that surprise buyers most.
- Seller Credit CalculatorCompare taking a seller credit against a price reduction, they are not the same, and one usually wins.
- Mortgage Payment CalculatorSee your full monthly payment: principal, interest, taxes, insurance and mortgage insurance, not just principal and interest.
- Home Affordability CalculatorWork backwards from your income and comfortable payment to the price range that actually fits.
Questions people ask
- Does my earnest money reduce what I owe at closing?
- Yes. It's credited to you at settlement, so it counts toward your down payment and closing costs rather than being an extra cost.
- How much seller credit can I ask for?
- Program limits apply, often 3 to 6% of the price depending on loan type and down payment. Whether a seller agrees is a negotiation, not a guarantee.
Estimates for education only, not a loan approval, rate quote, or commitment to lend. Actual figures depend on credit, property, program guidelines, and market conditions at the time of lock. Corie Adams · NMLS #1875205 · Network Funding, LP · NMLS ID #2297 · Equal Housing Opportunity.
In plain English
It answers the only question that matters on closing day: how big is the wire.
When to use it
- You are writing an offer and need to know what you must have available
- You are negotiating a seller credit and want to see the effect
- Two weeks before closing, to confirm nothing has drifted
Common mistakes
- Forgetting prepaid escrows
- Lenders collect several months of taxes and insurance up front. It is real money on top of closing costs.
- Counting the earnest money twice
- It was already paid and is credited to you at settlement.
- Leaving nothing in reserve
- Closing with an empty account is how a small repair becomes a crisis. Keep a cushion.
Recommended next steps
Turn the estimate into real numbers.
A pre-approval replaces the assumptions above with your actual income, credit, and the terms available to you today.
Related calculators
Other numbers worth running.
Costs
Closing Cost Estimator
Estimate lender fees, title, transfer tax and prepaid escrows, the costs that surprise buyers most.
Costs
Seller Credit Calculator
Compare taking a seller credit against a price reduction, they are not the same, and one usually wins.
Payment
Mortgage Payment Calculator
See your full monthly payment: principal, interest, taxes, insurance and mortgage insurance, not just principal and interest.
Affordability
Home Affordability Calculator
Work backwards from your income and comfortable payment to the price range that actually fits.
After the math
Where this number leads.
- Learning pathClosing process pathWhat each line item is for.
- ToolsMortgage Planning CenterTwenty-plus tools for affordability, payment, and comparison decisions.
- EducationLearning CenterPlain-language answers organized by learning path, not publication date.
- Case studiesHomeownership storiesReal Pennsylvania files, from the first question to the closing table.