ESTIMATE CASH TO CLOSE

Closing Cost
Calculator

Build a purchase scenario to estimate down payment, lender and settlement charges, prepaid expenses, escrow deposits, credits, and total cash to close.

CLOSING COST CALCULATOR

Build Your Plan

01

PURCHASE DETAILS

Home Price & Financing

$650,000
$100K$3M
$
Quick Select
%
Quick Select
02

LOAN & SETTLEMENT FEES

Estimated Transaction Charges

$
points
$
$

TEXAS-SPECIFIC ESTIMATES

Title Insurance & Government Charges

The owner’s title-policy estimate uses the Texas Department of Insurance basic premium rates effective March 1, 2026. Contract allocation and final title charges must be confirmed by the title company.

TX
$
$
$
$
$
$
$
$
$
03

PREPAIDS & ESCROWS

Funds Collected at Closing

%
months
$ /yr
months
days
$
04

CREDITS & DEPOSITS

Amounts That Reduce Cash Due

$
$
$
$

Credits and deposits are subject to contract terms, loan-program limits, lender requirements, and actual settlement figures.

ESTIMATED CASH TO CLOSE

$0
20.0% Down

Estimated amount due after down payment, closing costs, prepaids, escrow deposits, credits, and deposits.

Down Payment$0
Loan & Settlement Costs$0
Prepaids & Initial Escrows$0
Credits & Deposits-$0
Loan Amount $0
Closing Costs $0
Prepaid Interest $0
Initial Escrows $0

GOLDEN OAK INSIGHT

Credits reduce the estimated cash needed at closing.

Credits Applied

Actual cash to close will be based on the final Loan Estimate, Closing Disclosure, purchase contract, and settlement statement.

ESTIMATED COST BREAKDOWN

Where the Funds Go

$0
Lender Fees & Points$0
Third-Party & Settlement Fees$0
Prepaid Interest$0
Insurance Premium & Escrow$0
Property Tax Escrow$0
Other Prepaids$0

COMPARE DOWN PAYMENT OPTIONS

How the Down Payment Changes Cash to Close

Each option uses the same estimated closing costs, prepaids, escrow deposits, credits, and deposits.

5% DOWN

$0

Down Payment$0
Loan Amount$0
Closing Costs & Prepaids$0

10% DOWN

$0

Down Payment$0
Loan Amount$0
Closing Costs & Prepaids$0

15% DOWN

$0

Down Payment$0
Loan Amount$0
Closing Costs & Prepaids$0

20% DOWN

$0

Down Payment$0
Loan Amount$0
Closing Costs & Prepaids$0

NEXT PLANNING TOOLS

Continue Planning

Mortgage Payment CalculatorBuild a complete monthly payment using taxes, insurance, mortgage insurance, and HOA.
→ $
Home Affordability CalculatorEstimate a potential home-price range using income, debts, down payment, and financing assumptions.
→
Home Sale Net Proceeds Calculator Estimate proceeds after mortgage payoff, selling expenses, and other transaction costs.
→

YOUR PLAN DESERVES A PERSONAL REVIEW

We Can Help

A personalized mortgage analysis can account for the property, contract, title quote, loan
program, lender pricing, escrow setup, seller credits, and your preferred cash strategy.

Review Plan >

This planner provides estimates for educational purposes only and does not constitute a Loan Estimate, Closing Disclosure, loan offer, approval, rate quote, settlement statement, title quote, or commitment to lend. Actual fees, prepaid items, escrow deposits, credits, deposits, taxes, insurance, title charges, government fees, points, interest, and cash to close may vary based on the property, contract, closing date, loan program, lender, title company, and other transaction details.