Total Cash to Close Calculator
Calculate everything you need in cash to buy a home — not just the down payment. See your complete all-in cost including closing costs, prepaid items, escrow reserves, and more.
Customize each line item to match your actual loan estimate.
| Item | Amount | When Due |
|---|---|---|
| Down Payment | $35,000 | At closing |
| Origination Fee | $3,150 | At closing |
| Title Insurance | $2,000 | At closing |
| Appraisal | $550 | At application |
| Home Inspection | $400 | Before offer |
| Prepaid Insurance | $1,200 | At closing |
| Prepaid Tax | $1,050 | At closing |
| Prepaid Interest | $874 | At closing |
| Escrow Reserves | $900 | At closing |
| Moving Costs | $2,500 | Moving day |
Lenders and financial advisors recommend keeping 3-6 months of PITI in liquid savings after closing.
How to Use This Total Cash to Close Calculator
Most first-time buyers are surprised to learn that their down payment is only part of the cash they need. This calculator shows your complete upfront cash requirement in one place.
Quick Tab
Enter your Home Price, Down Payment %, Loan Type, and State. The calculator instantly shows the total cash needed across all categories — down payment, estimated closing costs (3.5% of loan), prepaid insurance, prepaid property tax, prepaid interest, escrow reserves, inspection, and moving costs.
Advanced: Cash Breakdown
Customize every line item to match the actual figures on your Loan Estimate. Adjust origination fees, title insurance, appraisal, prepaid months, and escrow cushion. Use the Loan Type Impact tab to compare how much cash each loan program requires. Use Gift Funds to understand how much of your down payment can come from family gifts.
Pro Tab
See your total cash requirement including post-closing reserves (lenders require 2-6 months PITI). Calculate how seller concessions reduce your cash needed. The Payment Timeline tab shows exactly when each payment is due throughout the buying process.
The Formula: All-In Cash to Close
Where:
Closing Costs = Origination + Title + Appraisal + Recording + Other (typically 2-5% of loan)
Prepaid Items = 12mo Insurance + 2-6mo Property Tax + ~15 days Interest
Escrow Reserves = (Monthly Tax + Monthly Insurance) x 2-3 months
Other = Home Inspection + Moving Costs
For a $350,000 home with 10% down ($35,000), the loan is $315,000. Closing costs at 3.5% = $11,025. Prepaid insurance $1,200 + prepaid tax $1,050 (3 months at $4,200/yr) + prepaid interest $390 + escrow reserves $875 + inspection $400 + moving $2,500 = total cash to close of approximately $52,440. That is nearly 50% more than the down payment alone.
Example: Real Total Cash Calculation
Maria Buying Her First Home in Phoenix, AZ
Home price: $380,000. FHA loan with 3.5% down. Annual property tax: $3,800. Annual insurance: $1,400.
| Down Payment (3.5%) | $13,300 |
| Closing Costs (est. 3.5% of loan) | $12,729 |
| FHA Upfront MIP (1.75%) | $6,423 |
| Prepaid Insurance (12mo) | $1,400 |
| Prepaid Property Tax (3mo) | $950 |
| Prepaid Interest (~15 days) | $406 |
| Escrow Reserves (2mo) | $855 |
| Home Inspection | $400 |
| Moving Costs | $2,500 |
| Total Cash to Close | $38,963 |
Maria thought she only needed $13,300 for the down payment. The true all-in cash requirement is nearly $39,000 — almost 3x her down payment. Planning for this early prevents surprises at the closing table.