Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Total cash to close
$58,100
Down payment
$42,000
Closing costs
$12,600
Prepaid escrow
$3,500
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter home price ($).
- 2Enter down payment (%).
- 3Enter closing costs (%).
- 4Enter prepaid escrow ($).
- 5Read your total cash to close on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Closing costs in the US typically run 2–5% of the purchase price for a buyer, covering lender fees, title, appraisal, recording, and prepaid escrow. This adds them to your down payment for a true cash-to-close figure.
Worked example
Using the values the calculator loads with:
Inputs
- Home price: 420000 $
- Down payment: 10 %
- Closing costs: 3 %
- Prepaid escrow: 3500 $
Results
- Total cash to close: $58,100.00
- Down payment: $42,000.00
- Closing costs: $12,600.00
- Prepaid escrow: $3,500.00
What each field means
Inputs
- Home price ($)
- The home price used in the calculation, measured in $. Starts at 420000 $ so you have a working example on load.
- Down payment (%)
- The down payment used in the calculation, measured in %. Starts at 10 % so you have a working example on load. Accepted range: 0–100 %.
- Closing costs (%)
- The closing costs used in the calculation, measured in %. Starts at 3 % so you have a working example on load.
- Prepaid escrow ($)
- The prepaid escrow used in the calculation, measured in $. Starts at 3500 $ so you have a working example on load.
Results
- Total cash to close
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Down payment
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Closing costs
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Prepaid escrow
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the closing cost calculator work?
Closing costs in the US typically run 2–5% of the purchase price for a buyer, covering lender fees, title, appraisal, recording, and prepaid escrow. This adds them to your down payment for a true cash-to-close figure. The underlying maths is: Cash to close = Down payment + (Price × Closing cost %) + Prepaid escrow.
What do I need to enter?
4 values: home price, down payment, closing costs, and prepaid escrow. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the total cash to close result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Closing Cost Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/closing-costs
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/closing-costs" target="_blank" rel="noopener">Closing Cost Calculator — RevenueLab</a> (2026).</p>
Source: [Closing Cost Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/closing-costs) (2026).