Everything a buyer needs at the table. Change the numbers and hit Calculate to see it work — on your live site it's branded to you and uses your state's exact rates.
Everything a buyer needs at the table
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Buyers constantly ask "how much do I need at closing?" This calculator estimates total cash to close — down payment, closing costs, prepaids, and credits — so the answer is clear from the start.
On your website it helps buyers and agents plan with confidence and reduces closing-day surprises, making your office look organized and proactive.
Down payment, lender fees, prepaid interest, escrow reserves for taxes and insurance, title and settlement charges, recording fees and transfer taxes, less any seller credits and earnest money already paid.
Because escrow reserves and prepaids are collected at closing. On a property with high property taxes those reserves can be larger than every other closing cost combined.
Before they write the offer, not after. The point of an early estimate is to prevent a financing failure in the final week, which is when the surprise usually lands.
No — cash to close includes the down payment and prepaids on top of closing costs, so it's the full amount due at the table.
Yes — the calculator subtracts credits and deposits so the estimate matches the buyer's real out-of-pocket.
On a purchase, generally not — they are paid at closing. Some can be covered by a lender credit in exchange for a higher rate, or by a seller credit within program limits, but they do not simply move into the principal.
Usually prepaid interest, which depends on the actual closing date, or escrow reserves recalculated on the real tax and insurance figures. Certain lender charges are subject to tolerance limits and cannot move without a valid change of circumstance.
Buyers budget for the down payment and are then surprised by lender fees, prepaids, escrow reserves, title charges and recording. Cash to close is all of it, and the gap between the two numbers is where financing falls apart in the final week.
Lenders commonly collect several months of taxes and insurance up front. On a property with a high tax bill that escrow deposit can exceed every title charge on the statement combined, and it rarely appears in a buyer's own arithmetic.
A buyer's agent who can show a realistic figure early avoids a client discovering it three days before closing. Agents remember which title company let them look competent.
A seller credit reduces cash to close, but each loan program caps how much can be applied, and any excess is simply lost. A buyer counting on a credit larger than the cap is budgeting for money that will not arrive.
Earnest money already deposited reduces what is owed at the table, and buyers routinely forget it or double-count it. Showing it explicitly as a credit is the difference between an estimate that reconciles and one that confuses.
Agents, lenders, buyers and sellers submit everything online, and each submission returns to the agency as a completed PDF ready for the file — no email tag, no retyping. Branded to the agency and mobile-friendly. These six are the most used of the eleven we build.
Clients upload a signed purchase contract and any addenda — you open the file and start title work right away.
Open form →Buyers complete intake online and you receive it as a PDF — or they download it to fill out by hand.
Open form →Sellers complete intake online and you receive a PDF — or download it to complete on paper.
Open form →Sellers and refinancers e-sign to authorize a payoff request — so net sheets are accurate and prior liens clear at closing.
Open form →Agents and lenders open a new file in one step — property, parties, lender, and closing date. No back-and-forth emails.
Open form →Clients upload IDs, payoffs, and sensitive documents through an encrypted portal.
Open form →No setup fee, no long-term contract, 60-day money-back guarantee. Full plan comparison →