Estimate cash to close
Lender charges
Third-party and government fees
Prepaids and escrow
Credits and deposits
Your Loan Estimate and Closing Disclosure control. Fees vary by state, county, lender, program, title company, seller credit limits, and the actual closing date.
| Category | Amount | Included items |
|---|
Cash to close is estimated as down payment plus closing costs, minus seller credits, lender credits, and earnest money already deposited. The final Closing Disclosure can change this amount through prorations, payoff timing, fee changes, and credit limits.
Methodology notes
Loan amount
If no loan amount is entered, the calculator derives it from purchase price minus down payment. A manual loan amount can be used for program-specific quotes.
Cost buckets
Lender charges, third-party settlement charges, and prepaid/escrow items are subtotaled separately so the estimate is easier to compare with disclosure sections.
Cash to close
Estimated cash to close adds the down payment and closing cost buckets, then subtracts seller credits, lender credits, and earnest money deposit.
This is an educational estimate, not a loan approval, quote, or settlement statement. The Loan Estimate and final Closing Disclosure are the source of truth. Prepaid escrow deposits can be large without meaning the lender is charging more. PlainFigure may earn a commission from partner links, but calculator formulas are independent. See full disclosure.
Mortgage closing cost FAQ
What counts as closing costs?
Closing costs usually include lender charges, points, appraisal, credit report, title, escrow, recording, taxes, prepaids, escrow deposits, and mortgage insurance or funding fees if paid at closing.
Why do prepaids change by date?
Prepaid interest and escrow deposits depend on the day of the month, tax due dates, insurance renewal timing, and lender reserve requirements.
Do credits reduce every cost?
Seller and lender credits can be limited by loan program, lender rules, and actual eligible costs. Excess credits may not always become cash back to the buyer.