Down payment, fees, prepaids, credits
Cash to Close
Estimate the cash you'll bring to closing including prepaid interest, escrow reserves and seller/lender credits.
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Estimated cash to close
$26,439
Due at closing, after deposits & credits
Closing costs
$11,439
Fees + prepaids + escrow
Per-diem interest
$67.67
11 days prepaid
Itemized estimate
Down payment
Down payment$20,000.00
Loan & title costs
Lender fees$1,495.00
Third-party services$1,100.00
Title & settlement$3,200.00
Prepaids
Prepaid interest (11 days × 67.67)$744.37
Homeowners insurance (12 months)$2,400.00
Initial escrow deposit
Property tax reserve (3 months)$2,100.00
Insurance reserve (2 months)$400.00
Credits
Earnest money deposit−$5,000.00
Fee amounts vary by lender, title company and county. Your official Loan Estimate and Closing Disclosure are the documents to rely on.