Closing Cost & Cash-to-Close Calculator

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Your Buyer Net Sheet

The "cash to close" is your down payment plus closing costs and prepaid escrows, minus any credits. Adjust the numbers below for a personalized estimate.

Purchase Details

Purchase Price

Down Payment %

Interest Rate %

Used for prepaid interest

Lender Fees / Points (% of loan)

Title, Escrow & Settlement ($)

CA estimate — varies by county

Appraisal & Inspection ($)

Annual Property Tax %

6 months collected at closing

Annual Insurance ($)

1 year upfront + 2 mo reserve

Seller / Lender Credits ($)

Reduces your cash to close

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Get Your Exact Net Sheet

Want precise closing costs for your scenario — including ways to lower your cash to close? Send your info and Bilal will follow up within 2 business hours.

CA DRE #01480904 · NMLS #300923 · No credit pull to start

Understanding California Closing Costs

Closing costs commonly fall between about 2% and 5% of the purchase price, depending on the loan type, lender fees, title and escrow charges, and prepaid items such as property taxes, insurance and interest.

Your cash to close is your down payment plus closing costs, minus any seller or lender credits. Transfer taxes and who customarily pays them vary by county and city.

How to Use It

Enter the purchase price and down payment
Add estimated lender, title and escrow fees
Include prepaid taxes, insurance and interest
Subtract any seller or lender credits

Frequently Asked Questions

What is included in closing costs?

Lender fees, appraisal, title insurance, escrow fees, recording fees, transfer taxes where applicable, and prepaid items such as taxes, insurance and interest.

Can the seller pay my closing costs?

Often yes, within limits set by your loan type. Conventional loans allow roughly 3%–9% depending on down payment, FHA up to 6%, and VA up to 4% in concessions.

What is a lender credit?

A credit from the lender toward your closing costs in exchange for a slightly higher rate.

Want Your Exact Numbers?

Calculators give estimates. A licensed broker can show your real rate and the programs you qualify for — no credit pull to start.

Get My Personalized Quote → or call 510-786-8739

Results are estimates for illustration only and are not a loan approval or commitment to lend. SI MTG · CA DRE #01480904 · NMLS #300923.