United States version
How it works
Separate the down payment, money already paid, closing fees, prepaids and confirmed credits without inventing transfer-tax eligibility.
This is the United States planning view, with monetary inputs and outputs in USD. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
9-
?purchasePrice=Purchase priceMoney · Required · Default: 400,000
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?downPayment=Total down paymentMoney · Required · Default: 80,000
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?lenderFees=Lender feesMoney · Required · Default: 2,500
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?legalFees=Legal/settlement feesMoney · Required · Default: 1,800
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?titleFees=Title/registration costsMoney · Required · Default: 1,200
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?transferTax=Confirmed transfer/land taxMoney · Required · Default: 0
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?prepaids=Prepaid interest, insurance and reservesMoney · Required · Default: 3,000
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?credits=Confirmed permitted cost creditsMoney · Required · Default: 0
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?depositPaid=Deposit already paid toward down paymentMoney · Required · Default: 10,000
Outputs
4-
loanAmountPurchase loan before financed feesCurrency · Currency: USD
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grossClosingCostsEntered closing costs and prepaidsCurrency · Currency: USD
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netClosingCostsCosts after entered creditsCurrency · Currency: USD
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cashToCloseRemaining cash to closeCurrency · Primary output · Currency: USD
Formula
cash to close = down payment − deposit already paid + entered closing costs and prepaids − permitted credits.
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Purchase price: Enter the quantity described by the label.
- Total down payment: Enter the quantity described by the label.
- Lender fees: Enter the quantity described by the label.
- Legal/settlement fees: Enter the quantity described by the label.
- Title/registration costs: Enter the quantity described by the label.
- Confirmed transfer/land tax: Enter the quantity described by the label.
- Prepaid interest, insurance and reserves: Enter the quantity described by the label.
- Confirmed permitted cost credits: Enter the quantity described by the label.
- Deposit already paid toward down payment: Enter the quantity described by the label.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
| Input | Example value |
|---|---|
| Purchase price | 400,000 |
| Total down payment | 80,000 |
| Lender fees | 2,500 |
| Legal/settlement fees | 1,800 |
| Title/registration costs | 1,200 |
| Confirmed transfer/land tax | 0 |
| Prepaid interest, insurance and reserves | 3,000 |
| Confirmed permitted cost credits | 0 |
| Deposit already paid toward down payment | 10,000 |
| Output | Calculated result |
|---|---|
| Purchase loan before financed fees | USD 320,000 |
| Entered closing costs and prepaids | USD 8,500 |
| Costs after entered credits | USD 8,500 |
| Remaining cash to close | USD 78,500 |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- This uses entered contract assumptions. It is not lending approval, personalized financial advice or a substitute for the actual fee schedule and local credit/tax rules.
- Transfer tax must be calculated under verified local rules elsewhere. Lender credit limits, tax prorations, financing of fees and nonrefundable deposits require the actual settlement statement.
Frequently asked questions
What does this Home Closing Cost result represent?
Separate the down payment, money already paid, closing fees, prepaids and confirmed credits without inventing transfer-tax eligibility. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified United States prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is USD; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
This uses entered contract assumptions. It is not lending approval, personalized financial advice or a substitute for the actual fee schedule and local credit/tax rules.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- CFPB loan-estimate explanation — retrieved 2026-09-24. US cost components; the general amortization formula is stated separately.
- CFPB comparing borrowing costs — retrieved 2026-09-24. Distinguishing interest, principal, fees and timing in a comparison.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.