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Cash-to-Close Calculator

Closing costs and first-year cash for a North Carolina purchase.

Your Loan Estimate shows closing costs. It does not show the cash that leaves your account, or what the first twelve months cost once the movers are paid. Enter your numbers and see both.

Cash-to-Close CalculatorLocal knowledge. A clearer decision.

Bring your Loan Estimate, the contract, and your due diligence and earnest money receipts.

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Your numbers

Step 1 of 4 · The home and the loan

The home and the loan

Use the contract price and a dated lender quote. Choose Cash purchase if there is no loan.

Note where a number came from (optional)
Buying with
Taxes paid
Insurance paid

Cash-to-Close Calculator

Your results

Fill in the fields marked Needed to see your results.

Leave a field blank if you do not have the number yet. We will show the result as incomplete rather than pretend it is zero.

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How this calculator works

Method

Cash still required = down payment + fees + prepaids + initial escrow − amounts already paid − usable credits. Fixed loans use the note rate and term you enter. Bills you pay directly are reduced by what you prepaid at closing; escrow deposits are cash held for future bills.

Limits

Your numbers, not a loan approval or a settlement statement. Taxes and insurance you leave blank show as incomplete. Confirm figures with your lender and closing attorney.

Sources