Cash to Close Calculator
The number people underestimate most. Down payment, closing costs, prepaids, and escrow reserves — minus your earnest money and any seller or lender credits.
Loan Details
Closing Costs
Estimated percentage
Applied to loan amount. Typical range: 2–3%.
Prepaids & Escrow
Items collected at closing: prepaid interest, initial escrow deposits for taxes and insurance.
Credits
Seller concessions, lender credits, or other amounts that reduce your cash due at closing.
Estimated Cash to Close
$50,350
10% down on a $400,000 home · Conventional loan · 90.0% LTV
How It Breaks Down
Down Payment
10% of $400,000
Closing Costs (est. 2.5%)
2.5% of $360,000 loan
Prepaids & Escrow
3 items
Total Cash to Close
Closing costs are an estimate based on 2.5% of the loan amount. Switch to “Itemize fees” to enter your Loan Estimate figures exactly.
Loan Amount
$360,000
LTV
90.0%
PMI may apply
Down Payment
$40,000
10% of price
Down Payment Comparison
Your scenario
10% down
5% down
5% down
Comparison uses an estimated 2.5% for closing costs. Prepaids and credits not included.
Prepaids & Escrow Detail
This is an estimate for informational purposes only. Your actual cash to close will be shown on your official Closing Disclosure, which you will receive at least 3 business days before closing. Contact a licensed loan officer for a precise figure.
The short answer
How much cash do I need to close on a house?
Cash to close is more than the down payment. It also includes closing costs, prepaid property taxes and homeowners insurance, and escrow reserves, reduced by earnest money already paid and any seller or lender credits. On a typical Portland purchase the total runs well above the down payment alone.
Run your numbers with us
A calculator gives you an estimate. A conversation gives you the number you can actually plan around — David and Bri will walk you through it down to the decimal.