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Buyer Cash to Close
Know exactly how much cash you need, and when. This breaks out your down payment, lender fees, title and escrow, prepaid interest, insurance, tax reserves and any credits.
How this calculator works
Earnest money is due within a few days of acceptance (often around 3% in the South Bay) and is credited toward your total at closing.
Prepaid interest covers the days from your closing date to the end of that month, because mortgage payments are paid in arrears.
Impounds are reserves your lender holds to pay future property tax and insurance bills. The number of months depends on your closing date and lender.
Title and escrow fees depend on county custom and what you negotiate in the contract. Your escrow officer will send an exact estimate.