Using the calculator
Enter State, County or city, Loan type, Purchase price, and the other fields shown. See the full amount that may come out of your pocket before and at closing, not just the down payment.
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Home Buying Out of Pocket Cost Calculator
See the full amount that may come out of your pocket before and at closing, not just the down payment.
Estimate the cash you actually need
This calculator separates the down payment, lender and title fees, government charges, prepaids, escrow funding, program fees and move in cash so the closing table does not surprise you.
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Down payment$0.00
Core closing fees$0.00
Prepaid expenses$0.00
Initial escrow funding$0.00
Program upfront fee paid in cash$0.00
Other move in cash$0.00
Credits and deposits applied$0.00
Estimated total cash to close$0.00
Estimated all in out of pocket through move in$0.00Cash to close plus moving and immediate reserve.
Base loan amount$0.00Before any financed upfront program fee.
Specialized closing view: cash to close is not the same as closing costs. Your down payment, prepaid interest, insurance, property tax escrows, deposits already paid, credits and loan program fees all affect the amount you must bring.
Actual fees vary by lender, title company, state and local government, closing date, insurance quote, tax cycle and negotiated credits. FHA currently uses a 1.75% upfront mortgage insurance premium for typical purchase loans. VA funding fees vary and may be financed or exempt for eligible borrowers.
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How to use this calculator
Reading the result
The result shows see the full amount that may come out of your pocket before and at closing, not just the down payment.
Results are estimates based on the values entered. Review the Methodology and Calculator Disclaimer for important limitations.