Add up your down payment and closing costs to see the real cash you need to buy.
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Your down payment is only part of the cash you bring to closing. Add buyer closing costs, prepaid taxes and insurance, and any escrow deposits, and the real cash-to-close can be meaningfully higher than the down payment alone. This calculator adds it all up so you know your true number before you write an offer.
Getting this right protects your deal — buyers who underestimate cash-to-close can scramble late in the process. Knowing it up front also tells you how much home you can realistically pursue.
Enter your purchase price, down payment, and loan details. We combine your down payment with estimated closing costs and prepaids to show the total cash you'll need at the table.
It's the total money a buyer needs on closing day — down payment plus closing costs and prepaid items, minus any credits or deposits already made.
No. The down payment is one piece; cash to close also includes closing costs and prepaids, so it's usually a larger number.
Sometimes — seller concessions can offset certain buyer closing costs if negotiated in the contract. Ask your agent what's realistic in your market.
General information for Florida home buyers and sellers, not legal, tax, or lending advice. Figures are planning estimates; your final numbers come from your lender, title company, and closing agent.
The numbers are the start — a local Divito Real Estate Group agent turns them into a plan across South Florida and the Treasure Coast.