{
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  "@type": "Dataset",
  "name": "How do you calculate cash to close?",
  "description": "Cash to close = down payment + closing costs + prepaids − earnest money already paid − seller/lender credits. On a $350,000 purchase with 10% down, $9,000 costs, $3,500 earnest money, and a $5,000 seller credit: $35,000 + $9,000 − $3,500 − $5,000 = $35,500.",
  "url": "https://www.revenuelab.fyi/answers/how-to-calculate-cash-to-close",
  "dateModified": "2026-10-01",
  "creator": {
    "@type": "Organization",
    "name": "RevenueLab",
    "url": "https://www.revenuelab.fyi"
  },
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "keywords": [
    "Closing Costs Calculator",
    "Rent vs Buy Net Worth Calculator"
  ],
  "distribution": {
    "@type": "DataDownload",
    "contentUrl": "https://www.revenuelab.fyi/api/public/page.json?path=answers%2Fhow-to-calculate-cash-to-close",
    "encodingFormat": "application/json"
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  "json": {
    "type": "answer",
    "question": "How do you calculate cash to close?",
    "shortAnswer": "Cash to close = down payment + closing costs + prepaids − earnest money already paid − seller/lender credits. On a $350,000 purchase with 10% down, $9,000 costs, $3,500 earnest money, and a $5,000 seller credit: $35,000 + $9,000 − $3,500 − $5,000 = $35,500.",
    "tableTitle": "Cash-to-close worksheet: $350,000 purchase, 10% down",
    "columns": [
      "Component",
      "Amount",
      "Direction"
    ],
    "rows": [
      {
        "label": "Down payment",
        "value": "$35,000",
        "note": "+"
      },
      {
        "label": "Closing costs + prepaids",
        "value": "$9,000",
        "note": "+"
      },
      {
        "label": "Earnest money deposit",
        "value": "−$3,500",
        "note": "Already paid"
      },
      {
        "label": "Seller credit",
        "value": "−$5,000",
        "note": "Negotiated"
      },
      {
        "label": "Cash to close",
        "value": "$35,500",
        "note": "Wire or cashier's check"
      }
    ],
    "context": "The figure on your Closing Disclosure page 1 is the authoritative number — verify it against this formula and ask about any difference before wiring. Two safety rules: wiring instructions only come from verified phone contact with the title company (wire fraud targets closings specifically — never trust emailed changes), and the funds must be seasoned in your account (lenders typically want 60 days of statements; large recent deposits need a paper trail).",
    "methodology": "Formula per the CFPB Closing Disclosure 'Calculating Cash to Close' table. Example uses typical 2025–2026 figures.",
    "dateModified": "2026-10-01",
    "relatedCalculators": [
      {
        "label": "Closing Costs Calculator",
        "to": "/closing-costs-calculator"
      },
      {
        "label": "Rent vs Buy Net Worth Calculator",
        "to": "/rent-vs-buy-net-worth-calculator"
      }
    ],
    "relatedReading": [
      {
        "label": "How to read a Closing Disclosure",
        "to": "/answers/how-to-read-a-closing-disclosure"
      }
    ]
  }
}