Cash-to-Close Calculator
210 Mortgage • Your next step
Want a clearer picture of the cash needed to close?
Separate closing charges from your total closing funds, then review the figures and available credits.
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Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
Cash-to-Close
Use the cash-to-close calculator to estimate purchase closing cash after your down payment, charges, confirmed credits and deposits already paid.
Your scenario estimate
Complete the numbered sections, then select Calculate.
- Purchase price less base loan
- Charges and signed adjustments
- Credits applied to entered fees/prepaids
- Credits beyond entered fees/prepaids
- Modeled overpayment to review
Purchase only; base loan cannot exceed price. No automated seller-credit limits, DPA, gift eligibility, refunds or program fee financing. Avoid duplicating deposits or costs.
Want me to review these numbers?
Send your question and, if you choose, attach these estimates for a personal scenario review.
Educational estimates, not approval, a rate quote or a commitment to lend. Entered rates are hypothetical modeling assumptions, not currently available 210 Mortgage rates. No APR calculation, future-rate forecast or automatic eligibility decision. User-entered fees, ratios and forecasts are assumptions. Results do not establish eligibility, a rate offer or an available credit limit. 210 Mortgage • Tyler Krug NMLS #219381 • Mortgage loans originated through My Community Mortgage, LLC NMLS #2408499 • Equal Housing Lender. See site licensing and disclosures.
How to Use the Cash-to-Close Calculator
Step 1: Purchase and charges
Enter price and base mortgage proceeds available toward the price. Exclude any financed program fee that does not pay the seller. Enter borrower-paid closing charges, prepaids/escrows and signed prorations.
Step 2: Credits and deposits
Enter confirmed eligible credits against closing charges and earnest money or other deposits already credited by settlement. Do not subtract gift funds here; they are a source of the cash still needed, not a reduction of the transaction amount.
Calculate, compare and request a review
Choose Calculate to see your estimate. Change one assumption at a time and calculate again. Contact information is optional. Use the review form or Text a Question when you need help verifying the inputs.
How the Calculator Works
Down=price−base mortgage. Credits applied are capped at entered fees+prepaids; program eligibility is external. Signed cash=down+fees+prepaids+adjustments−applied credits−credited deposits. Cash due=max(0,signed cash); possible overpayment=max(0,−signed cash), requiring settlement review.
Example calculation
Hypothetical example, not an available loan offer. Price $400,000 minus $320,000 base loan, plus $10,000 charges, minus $3,000 eligible credits and $5,000 earnest money gives $82,000 still due.
How to interpret your results
Use this as a reconciliation worksheet. Settlement determines allowable credits, adjustments and whether any excess deposits can be refunded.
Assumptions and factors that change the result
Purchase only; base loan cannot exceed price. No automated seller-credit limits, DPA, gift eligibility, refunds or program fee financing. Avoid duplicating deposits or costs.
Frequently asked questions
Should I subtract gift funds from cash to close?
Gift funds can help provide the cash still due. They do not reduce the transaction’s required cash. Only funds already credited by settlement belong in the credited-deposits field.
Do these results mean I am approved?
No. The tool calculates the entered scenario. Documentation, property eligibility, program rules and lender review remain separate.
What should I do when an input is uncertain?
Use a documented quote or clearly labeled planning assumption. Change one input at a time, calculate again, and request a review before relying on it.