Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Cash to close calculator for a purchase.

The money the borrower brings to closing, laid out line for line like the "Calculating Cash to Close" table on page 2 of the Loan Estimate, so it sits beside theirs. Credits are applied only where they can be used.

The Purchase

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Closing Costs

Totals by section, as on page 2 of the Loan Estimate.

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Credits

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Negative if in the borrower's favor.
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Kits by TPO StackCash to Close

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Layout: 12 CFR 1026.37(h)(1) · Read October 1, 2026

Estimates from the inputs shown. Not a Loan Estimate or an offer to lend.

Kits by TPO Stack · Free calculator · tpostack.comNo sign-up. The math runs in the browser.

Inputs stay in this browser. Usage counts record the tool used and a few rounded figures, such as loan purpose, state and loan-amount band. No names, addresses or exact amounts.

Questions

How is each line worked out?

Total Closing Costs are loan costs plus other costs (taxes and fees, prepaids, the initial escrow payment and other), less lender credits.

Closing Costs Financed are the part of the loan amount above the price, up to the total closing costs. Down Payment/Funds from Borrower is the price less the loan amount. The Deposit is subtracted, and Funds for Borrower is $0 on a purchase.

Seller Credits and the credits under Adjustments and Other Credits are subtracted only up to the closing costs left to pay. Cash to Close is the sum of every line.

Why isn't all the credit used?

A seller credit or other credit pays closing costs, prepaids and escrow deposits, never the down payment. When credits are more than the closing costs left to pay, the extra shows as unused and doesn't lower cash to close. Down payment assistance is the exception, when the program allows it.

What does it leave out?

Refinances. Which tolerance a charge falls in, and how a charge moved between estimates. How a credit is spread across individual charges. Escrow analysis, such as cushions. Costs paid before closing, which appear on the Closing Disclosure rather than the Loan Estimate. Whether the program allows the credits entered: use Seller Contributions for the limits.

These are estimates from the inputs shown, not a Loan Estimate or an offer to lend.