Cash required at closing
Adds the down payment, buyer costs and contingency allowance to show how much cash you need available.
Real Estate
Closing costs calculator
Estimate the cash needed to close a purchase or net seller proceeds using editable items.
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How to read the result
The estimate separates buyer cash needs, seller costs and the highest-impact items.
Seller proceeds
Subtracts seller items from the property price to estimate proceeds before other agreements.
Editable items
Each item can be a percentage of price or a fixed amount. Values are not official rates.
Frequently asked questions
What do closing costs include?
They may include local taxes or fees, notary fees, registration, appraisal, processing and other closing items. Actual costs depend on the transaction and location.
Are the percentages official?
No. The calculator uses percentages and amounts you enter. It does not replace a notary quote or local professional review.
Who pays each cost?
It depends on the type of cost and the agreement between buyer and seller. Each item therefore lets you choose the responsible party.
Is the down payment part of closing costs?
The down payment is not a closing cost, but it is part of the cash a buyer needs at closing. The calculator shows it separately.
How much should I save in addition to the down payment?
Review the amount beyond the down payment: buyer costs plus the selected contingency allowance.