How much cash do I need to close?
Buyers are chronically surprised by this number, and it's simple arithmetic: down payment + closing costs − earnest money already in escrow − any lender or seller credits. This tool does it in one screen so closing week holds no surprises. Your Closing Disclosure will state it to the penny three days before signing — and one warning worth repeating: verify wire instructions by phone, using a number you found yourself.
Cash to close
The actual check: down payment plus closing costs, minus what you've already put in and any credits.
estimated cash to close
Your Closing Disclosure will state this to the penny. Funds usually must be wired or a cashier's check — verify wire instructions by phone, always.
Educational estimate, not a loan offer or financial advice. Rates, taxes, and program rules vary — a licensed professional can turn these ranges into real numbers for your situation.
Want a human to look at your numbers? BuyerMath is built by Gavin Guthrie of The Mortgage Collective — a free 15-minute "where do I stand?" call costs nothing and isn't a test you can fail.
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